The Power of Cross-Sales: How to Grow Relationships Without Being “Salesy”
Cross-sales aren’t about selling products. They’re about becoming a trusted advisor customers rely on for guidance, value, and long-term financial success.
In this episode, I’m going to show you a powerful way for you to get your executives to understand that they own all the results for the entire organization—not just their silo—and what to do with that knowledge.
…You’re going to love this!
Unfortunately, that “act of kindness” actually ends up costing that person their job more often than not, so it’s not very kind at all, is it?
In talking to thousands of bank CEOs over the last 20+ years, I hear these three over and over again.
So how do we deal with it?
Create the “Rules of Engagement” for the executive team.
Unlike so many rah-rah, happy-happy, “team-building” exercises that are like Chinese food—you’re hungry an hour later—you need to go into the eye of the needle and create an understanding of the behaviors that are expected of your executives. Then, delineate the behaviors that won’t cut it anymore.
From “meetings outside of meetings” where people don’t say what they think in the meeting but then stir the pot afterward…
To not speaking up…
To pretending not to know…
You want to be clear about the behaviors you don’t ever want to see around that executive team table. Let everyone understand what gets you voted off the island.
Create “Healthy” Dissidence. Executive learning doesn’t just happen “between the ears.” Sure, book/classroom learning is great, but executive-level decision-making capabilities only come from making executive decisions and practicing candor with their peers.
As a result, executives go silent and “endure.” You want to make sure your team gets educated on how to bring healthy dissidence and extreme commitment to outcomes.
Complete responsibility for the results of the entire bank. Unlike many executive development programs where they teach you to “run your division,” healthy and sustainable organizations have a different distinction. If you’re on the executive team, you’re responsible for EVERYTHING. That doesn’t mean you get in and do everything—you run your division first.
It means that if something isn’t working in some other division, you say something, you offer solutions, and you make sure everyone knows this can’t continue. You DON’T wait for the CEO to have to do that, or you have just proven you’re “management” material instead of “executive” material.
Again, first, make it absolutely clear which behaviors you expect and what you won’t tolerate from your team. Then, demonstrate and teach healthy dissidence. If they care enough about the organization, they should push up against each other often. Finally, enroll your team in the idea that each one is responsible for EVERYTHING, and if there is any part of the organization that isn’t working, it’s their fault too. They need to rise to the occasion.
By getting your executive team to hold each other accountable to deadlines and outcomes, you know you can sleep at night because the strategic plan WILL be met or exceeded. It’s an insurance policy that means your bank gets to stay in business.
Make sure you tune in next time where I’ll show you how to deal with any shortcomings in the emotional intelligence of your team on average so that you can raise your chance of success and do it with more ease.
Cross-sales aren’t about selling products. They’re about becoming a trusted advisor customers rely on for guidance, value, and long-term financial success.
Many banks assign culture to committees and wonder why nothing changes. Discover why executive ownership is the key to sustainable culture transformation and top-tier performance.
Most banks focus on strategy. Elite banks focus on culture systems that produce profitable behavior. Discover why culture may be your biggest growth lever.
Midyear is not the time for excuses. It is the diagnostic checkpoint where elite community banks assess what’s working, fix what’s not, and accelerate execution before year-end.
Most banks are not suffering from a technology problem. They are suffering from a thinking problem. Roxanne Emmerich explains why second-order thinking is now essential for community bank executives preparing their teams for AI, change, and the next wave of performance pressure.
A Banky Award is more than recognition. Used correctly, it becomes third-party proof that helps your bank stand out, build trust, and become the obvious choice in your market.
Most banks don’t need another branding exercise. They need a USP that prospects believe. Roxanne Emmerich explains how credibility, systems, awards, and proof points turn differentiation into a revenue-driving advantage.
Most banks claim to be different. The best banks prove it. Discover how credibility-based positioning drives growth, trust, and profitability.
Most banks don’t have a performance problem—they have an accountability gap. Discover the system top banks use to drive execution.
Most bank marketing does not fail because the message is weak. It fails because the bank has no compelling position in the market. In this video, Roxanne reveals how community banks can sharpen their USP, strengthen credibility, and win more business without racing to the bottom on rate.