Relationship Banker - Pikesville

Job Summary

Required Qualifications

• •High school diploma or equivalent (GED)
• •Minimum of 3 years proven retail sales, call center, customer service and/or telesales experience
• •OR minimum of 2 years 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 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
• •Must stay current on operational, product, and system changes/enhancements
• •Must demonstrate good risk management decisions
• •Must have sophisticated understanding of each 4 types of need, transactional, savings, retirement and protection (why, why and how)
• •Must adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies
• •Must maintain M&T internal control standards, including timely implementation of internal and external audit points
• •Must be able to solicit new business banking relationships through outbound prospecting calling activities
• •Must be able to develop new banking relationships through a consultative sales approach
• •Must be able to identify customers' needs through the bank's retail sales process
• •Must be able to provide proactive sales solutions through customer outreach
• •Must be able to specialize in branch customer experience through all retail and business sales interactions
• •Must be able to develop new customer relationships and expand and retain existing relationships
• •Must be able to proactively identify opportunities leveraging the portfolio management process
• •Must be able to utilize the fundamentals of the Bank's sales process to achieve personal sales and/or referral goals
• •Must be able to play key role in Relationship Management (customer assessments, profiling for sales opportunities, account opening and lead-focused outbound calling)
• •Must be able to play key role in Sales Process (profile/pre-call planning, outreach, appointment preparation, interaction/appointment, follow-up)
• •Must be able to play key role in Risk Management (audit requirements, fraud prevention, Know Your Customer (KYC) and customer information profile (CIP))
• •Must be able to reach out to clients to follow up from previous interactions based on need identified during an appointment/interaction
• •Must be able to progress development plan
• •Must be able to develop understanding and knowledge of products and services offered by Business Banking
• •Must be able to evaluate financing requests
• •Must be able to recommend loan structure
• •Must be able to submit complete loan application packages
• •Must be able to research and provide industry knowledge (e.g. vertical IQ)
• •Must be able to 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)
• •Must be able to attend community networking events
• •Must be able to develop relationships with Centers of Influence for referral opportunities
• •Must be able to act as liaison with business partners for retail product solutions (i.e. cross-selling retail products to business owners)
• •Must be able to build relationships with non-branch business partners (e.g. business bankers, mortgage loan originators)
• •Must be able to perform basic sales duties
• •Must be able to meet and maintain registration requirements under the Federal SAFE Act

Desired Qualifications

• •Associates degree
• •Notary public license
• •Minimum of 3 years financial services sales experience
• •Bi-lingual based on branch needs