Relationship Banker at M&T Bank

Honey Brook, Pennsylvania, United States

Apply Now

Not SpecifiedCompensation

Entry Level & New Grad, Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

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
Ability to stand for long periods of time
Prolonged use of hands and fingers
Ability to lift light to heavy objects weighing 5 lbs. to 30 lbs
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

Responsibilities

Play key role in Relationship Management (customer assessments, profiling for sales opportunities, account opening and lead-focused outbound calling)
Execute Sales Process (profile/pre-call planning, outreach, appointment preparation, interaction/appointment, follow-up)
Manage Risk (audit requirements, fraud prevention, Know Your Customer (KYC) and customer information profile (CIP))
Complete basic research on customer profiles to assess potential ways to add value to clients' banking relationship and transition to needs-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 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 prepare for scheduled appointments 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
Meet and maintain registration requirements under the Federal SAFE Act
Serve as the focal point in the branch for sales, service and/or referral opportunities in support of overall branch goals and activity requirements
Drive customer flow in the branch to support sales, service, and referral activities
Service existing customers and grow the business through identifying sales opportunities with customers
Stay current on operational, product, and system changes/enhancements, and demonstrate good risk management decisions to assist the branch in managing preventable losses and reduce fraudulent activity

Skills

Key technologies and capabilities for this role

Relationship ManagementSales ProcessCustomer ProfilingOutbound CallingKYCCIPFraud PreventionAccount OpeningCustomer OnboardingLobby ManagementFinancial Needs AssessmentComplianceRisk Management

Questions & Answers

Common questions about this position

What education and experience are required for the Relationship Banker role?

A high school diploma or equivalent (GED) and a minimum of 2 years proven experience are required.

Is this a full-time position?

Yes, this is a full-time employment opportunity.

What are the main responsibilities of a Relationship Banker?

Responsibilities include relationship management through customer assessments and sales opportunities, executing the sales process with outreach and appointments, risk management like KYC and fraud prevention, and promoting a supportive environment.

What is the company culture like at M&T Bank?

The culture promotes an environment that supports belonging and reflects the M&T Bank brand, with adherence to compliance standards and internal controls.

What skills make a strong candidate for this role?

Strong candidates demonstrate skills in customer relationship management, proactive sales outreach, lobby management, risk management including KYC and fraud prevention, and the ability to identify financial needs and collaborate with partners.

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.

Land your dream remote job 3x faster with AI

Try Jobo Free