Bilingual Senior Relationship Banker

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

Job summary

M&T Bank is seeking a branch-focused Relationship Banker to identify customer needs and deliver proactive sales solutions through our retail sales process. The role involves building relationships, handling account openings, and driving referrals while maintaining compliance and risk controls.

Responsibilities span customer outreach, profiling for sales opportunities, loan packaging, and cross-selling retail and business banking products.

Qualifications

• High school diploma or GED with 3 years of proven retail sales, call center, customer service or telesales experience.
• Alternatively, a high school diploma with at least 2 years of proactive sales experience.
• Strong verbal communication and interpersonal skills are required.
• Demonstrated ability to deliver exceptional customer service.
• Well-organized with time management and prioritization skills.

Responsibilities

• Develop new customer relationships and expand existing relationships through proactive outreach.
• Engage in Relationship Management, sales profiling, account openings, and lead-focused calls.
• Follow up with clients to progress development plans based on identified needs.
• Develop knowledge of Business Banking products and services.
• Evaluate financing requests and prepare loan applications.

Skills

Retail sales experience

Customer service

Telesales

Strong verbal communication

Time management

Bilingual communication

Education

Associates degree

Notary public license

Bi-lingual based on branch needs

Job description

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 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
• Ability 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 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

Pay and Compensation:

M&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). Th