Senior Relationship Banker - Severna Park

Identifies customers' needs through the bank’s retail sales process to provide proactive sales solutions via customer outreach for basic and complex needs. Specializes in branch customer experience across 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 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)).
• Follow up with clients based on needs identified during previous interactions to progress development plans.
• 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, optimizing/educating 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 (e.g., 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 solicit new business banking relationships through outbound prospecting and develop new banking relationships using a consultative sales approach.
• 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 and issues raised by external regulators.
• Complete other related duties as assigned.
• Responsible for meeting and maintaining registration requirements under the Federal SAFE Act.

Requirements

• High school diploma or equivalent (GED) and a minimum of 3 years of 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 of proven proactive sales experience.
• Strong verbal communication and interpersonal skills.
• Proven ability to demonstrate exceptional customer service.
• Well-organized 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.
• Sophisticated understanding of the four types of customer needs: transactional, savings, retirement, and protection (why, what, and how).
• Works with more complex business customers.

Preferred Qualifications

• Associate’s degree.
• Notary public license.
• Minimum of 3 years of 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

$24.87 - $41.45 hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Severna Park, Maryland, United States of America