Financial Advisor (draw salary plus commission)

Serves as an advisor to provide an advice-based approach to financial solutions for an assigned book of business. Actively solicits new and existing investments and insurance solutions from mass affluent customer segment primarily Retail and Business Banking.

Responsibilities

• Based on individualized needs analysis prepare recommendations for customized financial solutions to current and potential Bank customers and their portfolios,to meet their needs and with their best interests in mind;offer an array of products/services best suited to meet those needs;sell/closed these independently.
• Profile customers/deliver recommendations to ensure these needs are met.Use sales tools/modules to conduct the analysis/offers the best advice/products/customer understanding of solutions in a moderately complex level of suitability within defined standard procedures/regulatory requirements/in support of the best interests of each customer.
• Deliver a diversified set of brokerage investment insurance/advice-based solutions with a mindset to meet the individualized investment needs of current/potential Bank customers for the mass affluent segment utilizing experts in,Carrriers Wholesalers in Insurance Managed Accounts as necessary.
• Utilize COIs(Centers Of Influence)to offer a diversified set of solutions/full scope investment products/services to meet the best interest of clients within regulatory requirements.
• Increase assets under management by offering investment/insurance solutions to clients leveraging partnerships in Retail,Business Banking Wealth to increase referrals.
• Provide services by advising the customer on advantages/disadvantages of different product decisions in alignment with their individual needs.Coach/mentor less experienced Financial Advisors,Licensed Bankers/Business Banking staff to ensure quality investment/insurance referrals.Maintain customer appointment activity log weekly,based on advisory/referral activity;follow-up on activity levels all products meet/exceed expectations.Maintain/build referral channel develop strong partnerships with Retail branch,Business Banking Wealth partners ensure investment needs current/potential customers assigned Market/branches met/exceeded.Work with Retail,Business Banking Community Bank Wealth through ongoing account reviews/re-evaluation customer needs.Deliver high-quality customer service experience during each customer interaction through complete understanding sales process,policies/licensing requirements contribute attraction,retain/expansion client relationships.Ensure accuracy completing required paperwork comply standard procedures/regulatory requirements/firm policies.Serve as primary PIC(Supervisor/Person-in-Charge)lead/manage customer relationships bring full spectrum investment/insurance solutions each client based individualized needs.Regularly review customer information ensure compliance BSA(Bank Secrecy Act),AML(Anti-Money Laundering),KYC(Know Your Customer)requirements protect Bank interests.Address issues non-compliance requesting additional info client updating remediation tool appropriate system.Understand adhere Company’s risk/regulatory standards,policies.controls accordance Company’s Risk Appetite.Identify risk-related issues needing escalation management.Promote environment supports belonging reflects M&T Bank brand.Maintain M&T internal control standards,timely implementation internal/external audit points/issues raised external regulators applicable.Complete other related duties assigned.

Skills & Qualifications

• FINRA Series 7 63 65 or 66 licenses,Pertinent state Life Variable Insurance(LAH)licenses

Experience

• Combined minimum 6 years’ higher education/work experience,minimum 4 years’ investment or insurance sales experience.
• Previous trust fiduciary product Financial Planning Managed Accounts or insurance experience

Why Join Us

• Great companies have an enduring sense of purpose.At M&T our purpose is a simple one: make a difference in people’s lives uplift communities we serve.

Benefits

• competitive benefits ranging from medical retirement forty hours paid volunteer time annually