Assistant Branch Manager in Ellicott City MD at M&T Bank

Ellicott City, Maryland, United States

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Not SpecifiedCompensation

Junior (1 to 2 years), Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

BankingIndustries

Requirements

Knowledge of the Bank's sales process, including relationship management (customer assessments, profiling, account opening, outbound calling), sales process (pre-call planning, outreach, appointment preparation, interaction, follow-up), and risk management (audit requirements, fraud prevention, KYC, CIP)
Thorough knowledge of all procedures affecting branch activities, consumer/business banking guidelines, new account handling, and exception processing
Ability to profile customers to identify financial needs across all product and service lines
Skills in accurate and timely processing of teller transactions (on a limited basis)
Compliance with operational, security, and control policies/procedures to prevent fraud and protect customer assets
Insurance licensing designations (for coaching on quality referrals and sales generation, if appropriate)
Involvement in local community organizations to project a positive bank image

Responsibilities

Assist branch management in administering employee coaching, sales/business development, marketing, and operations
Develop new customer relationships and expand/retain existing ones by identifying opportunities using portfolio management and the Bank's sales process to achieve sales/referral goals
Identify customer financial needs and present appropriate product/service options, working with internal business partners
Build relationships through frequent interactions in the first 90 days
Proactively contact customers in assigned portfolio and participate in branch sales promotions
Exemplify and coach exceptional customer experience (greeting, smiling, using name, specific closing phrase)
Take ownership of account servicing, error resolution, complex problems, escalations, and convert to sales opportunities
Meet with branch customers to assess needs, present options, and complete sales/referrals
Support branch goals for customer retention, acquisition, growth, and insurance revenue
Resolve service issues and maintain customer confidence/trust
Supervise all branch operations in the absence of the Branch Manager
Assist with new hires (training, coaching), resolving personnel problems, hiring, scheduling, monitoring expenses, writing/delivering performance appraisals or providing input
Coach branch team on quality referral and sales generation
Demonstrate teamwork by assisting colleagues and participating/leading branch team meetings
Ensure compliance with all policies and project positive bank image in the community

Skills

Sales

Business Development

Customer Relationship Management

KYC

CIP

Fraud Prevention

Risk Management

Portfolio Management

Coaching

Teller Transactions

M&T Bank

Full-service banking for individuals and businesses

About M&T Bank

M&T Bank provides a variety of banking services to individuals, small businesses, and larger companies. Their offerings include mortgage assistance, personal and business checking accounts, and mobile banking options. The bank primarily operates in the Northeastern and Mid-Atlantic regions of the United States, emphasizing community engagement and a focus on customer service. M&T Bank's business model is based on traditional banking practices, such as loans, deposits, and investment products, and it generates revenue through interest income and service fees. A key aspect that sets M&T Bank apart from its competitors is its commitment to community involvement, which includes allowing employees to volunteer and supporting local organizations. The recent merger with United Bank, N.A. has further expanded their services and market presence.

Buffalo, New YorkHeadquarters

1993Year Founded

IPOCompany Stage

Financial ServicesIndustries

10,001+Employees

Risks

Competition from fintechs could erode M&T Bank's market share among tech-savvy customers.

Integration challenges from the United Bank merger may disrupt operations.

Decreased prime rate could reduce interest income, impacting profitability.

Differentiation

M&T Bank emphasizes community engagement through its charitable foundation and volunteer programs.

The bank offers a wide range of traditional and digital banking services.

Recent merger with United Bank, N.A. expands M&T's market reach and service offerings.

Upsides

M&T Bank's $1.5 billion senior notes offering strengthens its financial position.

Decreased prime rate may attract more borrowers, increasing loan volume.

Shannon Lazare's appointment as New Jersey Regional President enhances local community engagement.

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