Bilingual Senior Relationship Banker

M&T Bank Corporation; North Bergen (NJ); On-site; USD 38,000 - 63,000; Full time

Job summary

North Bergen, NJ-based M&T Bank Corporation is seeking a Bilingual Senior Relationship Banker to identify and fulfill customers’ financial needs through proactive outreach and the bank’s retail sales process. The role focuses on building and retaining relationships, cross-selling retail and business banking products, and delivering excellent customer service in a bilingual setting.

The position emphasizes relationship management, risk controls, and community engagement, including outreach to

Qualifications

• Minimum 3 years of proven retail sales, customer service, or telesales experience.
• Bilingual with English and a second language as required by the branch needs.
• Strong verbal communication and interpersonal skills.

Responsibilities

• Develop new customer relationships and expand existing ones through proactive outreach.
• Assist with branch relationship management, profiling for sales opportunities, and lead-focused activity.
• Explain products and services and advise on loan structures and banking options.
• Attend community events and build Centers of Influence for referrals.
• Ensure compliance with risk controls and Know Your Customer (KYC) requirements.

Skills

Retail sales

Customer service

Sales outreach

KYC & risk

Financial services

Bilingual

Education

High school diploma

Associates degree

Tools

CRM software

Job description

## Bilingual Senior Relationship BankerApply: Onsite Position: North Bergen, NJ: Full time: Posted Today: R91241# **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.* Responsible for meeting and maintaining registration requirements under the Federal SAFE Act* 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.## ****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 experienceORA high school diploma or equivalent (GED) and minimum of 2 years proven proactive sales experience.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 technologyAbility to fluently communicate both verbally and in writing with bank customers in both English and the specified second language. Proficiency to be determined via an assessment.## ****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 toolsM&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $27.59 - $45.98 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.# **Location**North Bergen, New Jersey, United States of America### About UsGreat companies have an enduring sense of purpose. At M&T, our purpose is a simple one: **make a difference in people’s lives and uplift the communities we serve**. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution.**As an employer of choice, we are proud to offer** **competitive benefits** ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values – integrity, ownership, collaboration, curiosity, and candor – drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members. ViewM&T’s Human Capital Report to learn more.**Ready to join our team?** Submit your application today!If you are unable to apply through this site due to technical issues or need an accommodation to apply, please contact us at [e-mail] for assistance.M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.