Relationship Banker in Essex, MD
M&T Bank, Essex, MD, United States
Overview
Identifies customers' needs through the bank’s retail sales process to provide proactive basic sales solutions via customer outreach for basic customer needs and/or refer complex customer needs to the appropriate team member or partner. Specializes in our branch customer experience through lobby management, servicing, and sales interactions for retail and business customers.
Primary Responsibilities
Play key role in Relationship Management (customer assessments, profiling for sales opportunities, account opening, and lead-focused outbound calling), Sales Process (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)).
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 their needs.
Onboard new customers through customer outreach across all available channels, regardless of who opened the 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 meetings (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 and any issues raised by external regulators.
Complete other related duties as assigned.
Responsible for meeting and maintaining registration requirements under the Federal SAFE Act.
Scope of Responsibilities
The position is the focal point in the branch for sales, service, and/or referral opportunities in support of overall branch goals and activity requirements.
The position is a key driver of customer flow in the branch to support these activities.
The position services existing customers and grows the business through identifying sales opportunities with customers.
The position must stay current on operational, product, and system changes/enhancements and demonstrate good risk‑management decisions to assist the branch in managing preventable losses and reducing fraudulent activity.
Education and Experience Required
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.
Education and Experience Preferred
Associate’s degree.
Notary public license.
Bilingual 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 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.
Location Essex, Maryland, United States of America
M&T Bank is committed to fair, competitive, and market‑informed pay for our employees. The pay range for this position is $22.61 - $37.67 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.
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Primary Responsibilities
Play key role in Relationship Management (customer assessments, profiling for sales opportunities, account opening, and lead-focused outbound calling), Sales Process (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)).
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 their needs.
Onboard new customers through customer outreach across all available channels, regardless of who opened the 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 meetings (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 and any issues raised by external regulators.
Complete other related duties as assigned.
Responsible for meeting and maintaining registration requirements under the Federal SAFE Act.
Scope of Responsibilities
The position is the focal point in the branch for sales, service, and/or referral opportunities in support of overall branch goals and activity requirements.
The position is a key driver of customer flow in the branch to support these activities.
The position services existing customers and grows the business through identifying sales opportunities with customers.
The position must stay current on operational, product, and system changes/enhancements and demonstrate good risk‑management decisions to assist the branch in managing preventable losses and reducing fraudulent activity.
Education and Experience Required
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.
Education and Experience Preferred
Associate’s degree.
Notary public license.
Bilingual 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 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.
Location Essex, Maryland, United States of America
M&T Bank is committed to fair, competitive, and market‑informed pay for our employees. The pay range for this position is $22.61 - $37.67 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.
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