Bilingual Spanish Relationship Banker- Germantown MD

M&T Bank; Germantown (TN); On-site; USD 33,000 - 55,000; Full time

Job summary

M&T Bank in Germantown, MD is seeking a customer-focused professional for branch Relationship Management and sales support. You will identify banking needs, present product options, and onboard new clients while maintaining regulatory compliance and strong service standards.

The role emphasizes proactive outreach, needs-based conversations, and collaboration with internal partners to deliver tailored financial solutions. A positive customer experience is key across all interactions.

Qualifications

• High school diploma or GED required with 2 years proven retail sales or customer service experience.
• OR 1 year proven proactive sales experience.
• Strong verbal and interpersonal skills.
• Proficiency with internet user-level technology.
• Ability to communicate in English and a second language; proficiency assessed.

Responsibilities

• Identify sales opportunities through relationship management and outbound calling.
• Assist with account openings and referrals to appropriate partners.
• Proactively educate clients on value-added banking products.
• Onboard new customers through outreach and follow-up.
• Establish trust with existing clients through regular outreach.
• Maintain compliance with KYC, CIP and risk controls.
• Support branch goals by managing customer flow and appointment scheduling.

Skills

Retail sales

Customer service

Telesales

Verbal communication

Interpersonal skills

Time management

Financial services knowledge

Bilingual English + second language

Education

High school diploma or GED

Associates degree

Notary public license

Bilingual based on branch needs

Job description

Overview:

Identifies customers’ needs through the bank’s retail sales process to provide proactive basic sales solutions through customer outreach for basic customer needs and/or refer complex customer needs to the appropriate team member/partner. Specializes in our branch customer experience through lobby management, servicing and sales interactions for retail and business customers.

Primary Responsibilities:

• 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)).
• Complete basic research on customer profiles in order to assess potential ways to add value to clients banking relationship and transition to needs to based discussion on financial goals
• Identify financial needs of customers and present all appropriate product and service options by working cooperatively with appropriate internal business partners.
• Proactively reach out to clients to via e‑mail or phone to follow up and educate on value added products/services to address needs of clients
• Onboard new customers through customer outreach (regardless of available channel, and individual who opened account)
• Establish trust with existing clients through proactive outreach regularly
• Schedule preset appointments for the following week and hold appointments each week
• Adequately prepares for scheduled appointment before customer meeting (prepare for sales interactions with pre‑call plan)
• Responsible for meeting and maintaining registration requirements under the Federal SAFE Act
• Perform customer servicing interactions.
• 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 position is the focal point in the branch for sales, service and/or referral opportunities in support of overall branch goals and activity requirements.

The position is key driver of customer flow in the branch to support these activities.

The position services existing customers and grows the business through identifying sales opportunities with customers.

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.

Education and Experience Required:

High school diploma or equivalent (GED) and a minimum of 2 years proven retail sales, call center, customer service and/or telesales experience

OR

Ahigh school diploma or equivalent (GED) and a minimum of 1 year 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

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 heave objects weighing 5 lbs. 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

M&T Bank is committed to fair, competitive, and market‑informed pay for our employees. The pay range for this position is $23.84 - $39.74 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Germantown, Maryland, United States of America