Relationship Banker - Herndon VA at M&T Bank

Herndon, Virginia, United States

Apply Now

Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

BankingIndustries

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
Strong retail branch banking experience strongly preferred
Associates degree (preferred)
Notary public license (preferred)
Bilingual based on branch needs (preferred)
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, computer

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

Skills

Key technologies and capabilities for this role

Retail BankingRelationship ManagementSales ProcessKYCCIPOutbound CallingAccount OpeningFraud PreventionLobby ManagementCustomer ServicingCompliance

Questions & Answers

Common questions about this position

What is the salary or compensation for the Relationship Banker position?

This information is not specified in the job description.

Is this Relationship Banker role remote or office-based?

This information is not specified in the job description.

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

Strong retail branch banking experience is strongly preferred, along with skills in relationship management, sales processes, risk management, customer profiling, outbound calling, and compliance with KYC and CIP standards. High school education is required.

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

The role promotes an environment that supports belonging and reflects the M&T Bank brand, with emphasis on internal control standards and compliance.

What makes a strong candidate for the Relationship Banker position?

Candidates with strong retail branch banking experience who excel in customer relationship management, proactive sales outreach, needs assessment, and risk management practices will stand out.

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