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Senior Relationship Banker | Banker in Banking Job Job at M & T Bank in Wynantskill NY | 515561

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Senior Relationship Banker

Wynantskill, NY

Overview: Identifies customers' needs through the bank's retail sales process to provide proactive sales solutions through customer outreach for basic and complex customer needs. Specializes in our branch customer background through all retail and business sales interactions. Key responsibilities: - Develop new customer relationships and expand and retain existing relationships by proactively identifying opportunities leveraging the portfolio management process and utilizing the fundamentals of the Bank's sales process to achieve personal sales and/or referral goals. - Play key role in Relationship Management (customer assessments, profiling for sales opportunities, account opening and lead-focused outbound calling), Sales Process (profile/pre-call planning, outreach, appointment preparation, interaction/appointment, follow-up) and Risk Management (audit qualifications, fraud prevention, Know Your Customer (KYC) and customer info profile (CIP)). - Reach out to clients to follow up from previous interactions based on need identified during an appointment/interaction to progress development plan. - Develop understanding and knowledge of products and services offered by Business Banking. - Evaluate financing requests, recommend loan structure, and submit complete loan application packages. - Research and provide industry knowledge (e.g. vertical IQ). - Fluently explain processes, services, and products (e.g. interest expense, amortization schedules, how to optimize/educate all types of consumer debt scenarios, Mortgage/HELOC, Business Banking products, TM and Merchant Services products) - Attend community networking events. - Develop relationships with Centers of Influence for referral opportunities - Act as liaison with business partners for retail product solutions (i.e. cross-selling retail products to business owners). Build relationships with non-branch business partners (e.g. business bankers, mortgage loan originators). - Perform basic sales duties. - May be required to solicit new business banking relationships through outbound prospecting calling activities and develop new banking relationships through a consultative sales approach in some branches. - Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. - Promote an environment that supports diversity 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. Scope of Responsibilities: The focus of this position is to serve as key driver in growing the business through proactive identification of sales opportunities and portfolio management with customers to support achievement of annual branch sales goals. The position interacts with appropriate areas of the bank to ensure customer needs and service issues are resolved timely, accurately and completely. The position must stay current on operational, product, and system changes/enhancements, as well as demonstrate good risk management decisions to assist the branch in managing preventable losses and reduce fraudulent activity. Must have sophisticated understanding of each four types of need, transactional, savings, retirement and protection (why, why and how). Works with more complex business customers. Education and Background Required: High-school certificate or equivalent (GED) and a min of three years proven retail sales, call center, customer service and/or telesales background OR A high-school diploma or equivalent (GED) and min of two years proven proactive sales background. Superior oral communication and people skills Proven expertise to demonstrate exceptional customer service Well organized individual with time management and prioritization skills Demonstrated financial services product knowledge Expertise to communicate with tact and diplomacy with internal and external customers Proficient with internet user-level technology Education and Background desired: Associates degree Notary public license Min of 3 yrs financial services sales background Multi-lingual based on branch needs Physical demands: Expertise to stand for long periods of time Prolonged use of hands and fingers Expertise to lift light to heavy objects weighing five pounds to 30 pounds Expertise to read fine print Expertise to interact with customers in an open face-to-face working environment Expertise to use fax, telephone system, copier and other communication tools LocationNew York Wynantskill Apply on Company Web siteJob ID: R00815 For your privacy and protection, when applying to a job on-line, never give your social security number to a prospective employer, provide credit card or bank account details, or perform any sort of monetary transaction. Learn more. M & T Bank M & T Bank is a multi-state community-focused bank serving New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and Washington, D.C. Founded in 1856, M & T Bank provides banking, investment, insurance and mortgage financial services to consumer, business and government clients. Contact details - Wynantskill, NY
M & T Bank
January 11 on TopUSAJobs
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