Icon hamburger
US
Business Opportunity in Big Pool,Maryland
Apply to this job.
Think you're the perfect candidate?
Apply on company site
Thumsup

You’re being taken to an external site to apply.

Enter your email below to receive job recommendations for similar positions.
Default1

Senior Relationship Banker

M&T Bank Hancock Full-Time
Apply on company site
Overview:
Identifies customers' needs through the bank's retail sales process to provide proactive sales solutions through customer outreach for basic and complex customer needs. Specializes in our branch customer experience through all retail and business sales interactions.

Primary Responsibilities:
  • Develop new customer relationships and expand and retain existing relationships by proactively identifying opportunities leveraging the portfolio management process and utilizing the fundamentals of the Bank's sales process to achieve personal sales and/or referral goals.
  • Play key role in Relationship Management (customer assessments, profiling for sales opportunities, account opening and lead-focused outbound calling), Sales Process (profile/pre-call planning, outreach, appointment preparation, interaction/appointment, follow-up) and Risk Management (audit requirements, fraud prevention, Know Your Customer (KYC) and customer information profile (CIP)).
  • Reach out to clients to follow up from previous interactions based on need identified during an appointment/interaction to progress development plan.
  • Develop understanding and knowledge of products and services offered by Business Banking.
  • Evaluate financing requests, recommend loan structure, and submit complete loan application packages.
  • Research and provide industry knowledge (e.g. vertical IQ).
  • Fluently explain processes, services, and products (e.g. interest expense, amortization schedules, how to optimize/educate all types of consumer debt scenarios, Mortgage/HELOC, Business Banking products, TM and Merchant Services products)
  • Attend community networking events.
  • Develop relationships with Centers of Influence for referral opportunities
  • Act as liaison with business partners for retail product solutions (i.e. cross-selling retail products to business owners). Build relationships with non-branch business partners (e.g. business bankers, mortgage loan originators).
  • Perform basic sales duties.
  • May be required to solicit new business banking relationships through outbound prospecting calling activities and develop new banking relationships through a consultative sales approach in some branches.
  • Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
  • Promote an environment that supports diversity and reflects the M&T Bank brand.
  • Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
  • Complete other related duties as assigned.


Scope of Responsibilities:
The focus of this position is to serve as key driver in growing the business through proactive identification of sales opportunities and portfolio management with customers to support achievement of annual branch sales goals. The position interacts with appropriate areas of the bank to ensure customer needs and service issues are resolved timely, accurately and completely.

The position must stay current on operational, product, and system changes/enhancements, as well as demonstrate good risk management decisions to assist the branch in managing preventable losses and reduce fraudulent activity. Must have sophisticated understanding of each 4 types of need, transactional, savings, retirement and protection (why, why and how). Works with more complex business customers.

Education and Experience Required:
High school diploma or equivalent (GED) and a minimum of 3 years proven retail sales, call center, customer service and/or telesales experience

OR

A high school diploma or equivalent (GED) and minimum of 2 years proven proactive sales experience.

Strong verbal communication and interpersonal skills

Proven ability to demonstrate exceptional customer service

Well organized individual with time management and prioritization skills

Demonstrated financial services product knowledge

Ability to communicate with tact and diplomacy with internal and external customers

Proficient with internet user-level technology

Education and Experience Preferred:
Associates degree

Notary public license

Minimum of 3 years financial services sales experience

Bi-lingual based on branch needs

Physical Requirements:
Ability to stand for long periods of time

Prolonged use of hands and fingers

Ability to lift light to heavy objects weighing 5lbs to 30lbs

Ability to read fine print

Ability to interact with customers in an open face-to-face work environment

Ability to use fax, telephone system, copier and other communication tools

 

Skills required

Retail Banking
Unsecured Debt
Loan Origination
Annuities
Series 7 General Securities Representative License (Stockbroker)
Series 6 Investment Company And Variable Contracts License (Mutual Funds/Variable Annuities)

Location

Salary Estimator

Based on Job Title, Location and Skills
$97K
Below Avg. Average Above Avg.
Apply to this job.
Think you're the perfect candidate?
Apply on company site

Job ID: R05841

CAREERBUILDER TIP

For your privacy and protection, when applying to a job online, never give your social security number to a prospective employer, provide credit card or bank account information, or perform any sort of monetary transaction. Learn more.

By applying to a job using CareerBuilder you are agreeing to comply with and be subject to the CareerBuilder Terms and Conditions for use of our website. To use our website, you must agree with the Terms and Conditions and both meet and comply with their provisions.

M&T Bank is a multi-state community-focused bank serving New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and Washington, D.C. Founded in 1856, M&T Bank provides banking, investment, insurance and mortgage financial services to consumer, business and government clients.

Fast Facts

  • One of the 20 largest U.S.-based commercial banks
  • $123 billion in assets as of December 31, 2015
  • 3.8 million customers
  • 17,000+ team members
  • 800+ domestic full-service branches
  • 1,600+ ATMs
  • Online banking (mtb.com) and mobile devices

We’re headquartered in Buffalo NY, and we are organized around 17 community bank regions lead by local regional presidents. This means decisions about loans and community activities are made locally, by the people in the bank who know the community best.

Of the largest 100 banks operating in 1983, only 23 remain today. Among the remaining, M&T ranks 1st in stock price growth.

M&T has been profitable for 158 consecutive quarters—more than 39 straight years.

View the full profile