Bilingual (Spanish) Universal Banker - Patapsco Village Branch, Baltimore MD at M&T Bank

Baltimore, Maryland, United States

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Not SpecifiedCompensation

Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Bilingual in Spanish
High school diploma or equivalent (GED)
Minimum of 1 year’s proven retail sales experience
Responsible for meeting and maintaining registration requirements under the Federal SAFE Act
Assist and stay current with Consumer and Business Banking AML (Anti-Money Laundering), BSA (Bank Secrecy Act), and KYC (Know Your Customer) processes

Responsibilities

Educate customers and explain features and benefits of Consumer and Business Banking solutions; make recommendations based on the customer’s identified needs
Engage customers in a variety of ways to bank with us and provide solutions to meet their needs, encouraging and supporting the use of digital capabilities in customer interactions
Explain the high-level criteria used to decision loan applications
Complete servicing-related responsibilities specific to Consumer and Business Banking customer relationships and lead with inquiries to identify opportunities to solve for other banking needs
Follow the Bank’s sales process and provide simplified, customer-focused advice and guidance
Proactively reach out to customers to contribute to the retention and expansion of all Consumer and Business Banking relationships
Adhere to established customer service standards and provide a differentiated experience by understanding customer needs and delivering solutions in moments that matter most to them
Actively engage in lobby management, meeting and greeting customers and proactively inquiring and taking ownership to solve their banking needs
Introduce appropriate banking partner when servicing needs present an opportunity for a product solution
Identify and escalate cases of suspected fraud
Resolve and accurately log all customer complaints in the appropriate system
Review, approve and help resolve Consumer and Business Banking customer overdrafts
Accurately complete customer transactions
Complete related operational activities required by assigned branch, including documenting interactions and appointments with customers using the appropriate system
Adhere to applicable compliance/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 together with any issues raised by external regulators as applicable
Complete other related duties as assigned

Skills

Key technologies and capabilities for this role

SpanishCustomer ServiceSalesTeller OperationsDigital BankingAMLBSAKYCLobby ManagementConsumer BankingBusiness Banking

Questions & Answers

Common questions about this position

Is this a full-time position?

Yes, this is a full-time employment opportunity.

What is the salary range for this Universal Banker role?

This information is not specified in the job description.

What are the key skills required for this role?

The role requires bilingual Spanish skills, customer service expertise, sales abilities, knowledge of banking products, and adherence to AML, BSA, and KYC processes.

What is the work location for this position?

The position is at the Patapsco Village Branch in Baltimore, MD.

What does the company culture emphasize?

The culture promotes an environment that supports belonging, reflects the M&T Bank brand, and focuses on exceptional customer service and internal control standards.

M&T Bank

Full-service banking for individuals and businesses

About M&T Bank

M&T Bank provides a variety of banking services to individuals, small businesses, and larger companies. Their offerings include mortgage assistance, personal and business checking accounts, and mobile banking options. The bank primarily operates in the Northeastern and Mid-Atlantic regions of the United States, emphasizing community engagement and a focus on customer service. M&T Bank's business model is based on traditional banking practices, such as loans, deposits, and investment products, and it generates revenue through interest income and service fees. A key aspect that sets M&T Bank apart from its competitors is its commitment to community involvement, which includes allowing employees to volunteer and supporting local organizations. The recent merger with United Bank, N.A. has further expanded their services and market presence.

Buffalo, New YorkHeadquarters

1993Year Founded

IPOCompany Stage

Financial ServicesIndustries

10,001+Employees

Risks

Competition from fintechs could erode M&T Bank's market share among tech-savvy customers.

Integration challenges from the United Bank merger may disrupt operations.

Decreased prime rate could reduce interest income, impacting profitability.

Differentiation

M&T Bank emphasizes community engagement through its charitable foundation and volunteer programs.

The bank offers a wide range of traditional and digital banking services.

Recent merger with United Bank, N.A. expands M&T's market reach and service offerings.

Upsides

M&T Bank's $1.5 billion senior notes offering strengthens its financial position.

Decreased prime rate may attract more borrowers, increasing loan volume.

Shannon Lazare's appointment as New Jersey Regional President enhances local community engagement.

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