Relationship Banker

M&T Bank; Milton (Northumberland County); On-site; USD 28,000 - 47,000; Full time

Job summary

M&T Bank is seeking a role focused on customer outreach and relationship management to identify and fulfill basic banking needs. You will handle outreach, onboarding, and proactive education on products and services, while maintaining strong compliance and risk controls.

The position emphasizes branch-level sales, service, and referral opportunities to support overall branch goals and customer satisfaction.

Qualifications

• High school diploma or GED with 2 years of proven retail sales or customer service experience.
• Strong verbal communication and interpersonal skills.
• Experience with financial services products and knowledge of sales processes.

Responsibilities

• Play key role in Relationship Management through sales opportunities and account onboarding.
• Identify customer financial needs and present product/service options in collaboration with internal partners.
• Proactively reach out to clients via email or phone to educate on value-added products and services.
• Onboard new customers through proactive outreach and schedule follow-up appointments.
• Adhere to compliance/risk controls and support the M&T Bank brand and internal audits.

Skills

Retail sales

Customer service

Telesales

Verbal skills

Interpersonal skills

Education

High school diploma or GED

Associates degree

Notary public license

Tools

Internet user-level

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)


• 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.


• Responsible for meeting and maintaining registration requirements under the Federal SAFE Act

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


• A high 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

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 $20.55 - $34.25 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Milton, Pennsylvania, United States of America