Senior Relationship Banker (Fremont)

About the role

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 the branch customer experience through all retail and business sales interactions.

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 a key role in Relationship Management (customer assessments, profiling for sales opportunities, account opening and lead-focused outbound calling).
• Participate in the Sales Process (profile/pre-call planning, outreach, appointment preparation, interaction/appointment, follow-up).
• Support Risk Management (audit requirements, fraud prevention, Know Your Customer (KYC) and customer information profile (CIP)).
• Follow up with clients to progress development plans based on needs identified during appointments/interactions.
• 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).
• Explain processes, services, and products fluently (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.
• 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 belonging 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.
• Meet and maintain registration requirements under the Federal SAFE Act.

Scope of Responsibilities

The focus of this position is to serve as a 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 a sophisticated understanding of each of the four types of needs: transactional, savings, retirement, and protection.

Requirements

• 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 a minimum of 2 years proven proactive sales experience.

Qualifications

• 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.

Preferred Qualifications

• Associates degree.
• Notary public license.
• Minimum of 3 years financial services sales experience.
• Bilingual 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 5 lbs to 30 lbs.
• 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.

Pay

The pay range for this position is $22.61 - $37.67 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.