Commercial Payment Sales Consultant II (Vermont, Maine & New Hanpshire) at M&T Bank

Manchester, New Hampshire, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Bachelor’s degree and 5 years Commercial Payment Sales experience or comparable banking experience, OR in lieu of a degree, 4 years relevant work experience
CTP (Certified Treasury Professional) preferred

Responsibilities

Meet with existing business clients to expand relationships and ensure proper servicing of clients, managing complex business relationships within assigned portfolio
Handle all phases of sales process from referral through implementation for larger, more sophisticated business clients with complex payments needs
Call on prospective business clients to develop new treasury management sales opportunities through a consultative sales approach
Analyze clients’ current payments structure and pricing, and develop customized solutions to meet clients’ needs
Prepare and present sales presentations and proposals (for both internal and external audiences), illustrating customized solutions, industry trends, features, and benefits of recommended product offerings
Act as a partner with Relationship Managers to market Commercial Payments services to clients and prospects, providing consultative training on product offerings, changes, and enhancements
Analyze client and prospect pricing structure and make recommendations to Relationship Managers and management
Assist Regional Sales Manager in executing sales strategies and meeting or exceeding departmental goals
Participate in the development of strategic business plans and sales campaigns for target clients and prospects
Provide training and mentoring to sales representatives with less experience
Represent the department on division and cross-functional committees
Work closely with Relationship Managers, Unit Managers, and clients at the Executive Level
Serve as a subject matter expert on Treasury Management product benefits and services across various industries and lines of business, setting the example and mentoring other Commercial Payments Consultants
Participate in the development, expansion, and maintenance of the Bank’s Treasury Management business, assisting with strategic planning

Skills

Treasury Management

Consultative Sales

Sales Presentations

Pricing Analysis

Relationship Management

Client Servicing

Product Training

Portfolio Management

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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