Senior Relationship Banker in Hunt Valley, MD

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 experience through all retail and business sales interactions. Primary 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). Lead the Sales Process including profile/pre‑call planning, outreach, appointment preparation, interaction/appointment, and follow‑up. Perform Risk Management activities such as audit requirements, fraud prevention, KYC, and customer information profile (CIP). Reach out to clients to follow up from previous interactions based on needs identified during an appointment or interaction to progress development plans. Develop a deep understanding and knowledge of Business Banking products and services. Evaluate financing requests, recommend loan structures, and submit complete loan application packages. Research and provide industry knowledge (e.g., vertical IQ). Fluently explain processes, services, and products such as interest expense, amortization schedules, 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 (cross‑selling retail products to business owners). Build relationships with non‑branch business partners such as business bankers and mortgage loan originators. Perform basic sales duties. 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 and 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. Ensure compliance with registration requirements under the Federal SAFE Act. Scope of Responsibilities The focus of this position is to serve as a 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, and demonstrate good risk management decisions to assist the branch in managing preventable losses and reducing fraudulent activity. The role must possess a sophisticated understanding of each of the four types of customer needs: transactional, savings, retirement, and protection, and works with more complex business customers. Education and Experience Required High school diploma or equivalent (GED) and a minimum of 3 years of proven retail sales, call center, customer service, and/or telesales experience. OR high school diploma or equivalent (GED) and a minimum of 2 years of 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. Proficiency with internet user‑level technology. Education and Experience Preferred Associate’s degree. Notary public license. Minimum of 3 years of financial services sales experience. Bi‑lingual 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 5lbs to 30lbs. 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. Compensation and Benefits M&T Bank offers a competitive, market‑informed hourly pay range of $24.87 to $41.45 (USD) for this position. Benefits include medical coverage, retirement plans, and forty hours of paid volunteer time each year. Location Hunt Valley, Maryland, United States of America. Equal Employment Opportunity Statement M&T Bank is an equal opportunity employer that does not discriminate on the basis of race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws. #J-18808-Ljbffr M&T Bank Corporation