Senior Relationship Banker
Company: M&T Bank
Posted on: November 26, 2022
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
- 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
- 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
- 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
- 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
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
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 ORA high school
diploma or equivalent (GED) and minimum of 2 years proven proactive
Strong verbal communication and interpersonal skillsProven ability
to demonstrate exceptional customer serviceWell organized
individual with time management and prioritization
skillsDemonstrated financial services product knowledgeAbility to
communicate with tact and diplomacy with internal and external
customersProficient with internet user-level technology
Education and Experience Preferred:Associates degreeNotary public
licenseMinimum of 3 years financial services sales
experienceBi-lingual based on branch needs
Physical Requirements:Ability to stand for long periods of
timeProlonged use of hands and fingersAbility to lift light to
heavy objects weighing 5lbs to 30lbsAbility to read fine
printAbility to interact with customers in an open face-to-face
work environmentAbility to use fax, telephone system, copier and
other communication toolsLocationBuffalo, New York, United States
Keywords: M&T Bank, Buffalo , Senior Relationship Banker, Other , Buffalo, New York
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