Senior Relationship Banker - Joppa Rd.

M&T Bank; Maryland; On-site; USD 3,426,000 - 5,710,000; Full time

Job summary

M&T Bank in Nottingham, Maryland is seeking a Branch Sales Specialist to identify and develop customer relationships, expand the bank’s retail and business sales, and support portfolio management. You will promote products, perform pre-call planning, and collaborate with partners to meet annual branch sales goals.

The role emphasizes proactive outreach, excellent customer service, and adherence to risk controls, with opportunities to engage in community networking and Centers of Influence

Qualifications

• Requires high school diploma or GED and 2–3 years proven retail sales, call center, customer service, or telesales experience.
• Excellent verbal communication and interpersonal skills.
• Proven ability to deliver exceptional customer service and manage time effectively.
• Demonstrated knowledge of financial services products and ability to discuss loan/credit options.

Responsibilities

• Develop new customer relationships and expand/retain existing ones through proactive outreach and referrals.
• Engage in Relationship Management activities including profiling for sales opportunities and KYC/CIP compliance.
• Reach out to clients to advance development plans and follow up on sales opportunities.
• Learn and articulate bank products and services (Mortgage/HELOC, Business Banking, TM and Merchant Services).
• Process loan applications and coordinate with partners to complete packages.
• Build relationships with centers of influence and cross-sell retail products to business owners.

Skills

Strong verbal communication

Customer service

Time management

Interpersonal skills

Financial services knowledge

Computer literacy

Education

High school diploma or GED

Associates degree

Notary public license

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.
• 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 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

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

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $24.87 - $41.45 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Nottingham, Maryland, United States of America

M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.