Personal Banker at M&T Bank

East Liberty, Ohio, United States

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Not SpecifiedCompensation

Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

BankingIndustries

Requirements

High school diploma or equivalent, plus specialized training or a two-year degree
Two to five years of general experience required; specialized experience preferred
Completion of Sales Platform training as assigned by Consumer Bank Training
CARE certified within 6 months of hire
Completion of NLMS requirements as part of S.A.F.E. Act certification, with proof of registration and unique identifier upon hire or prior to performing Mortgage Loan Originator duties; maintained annually
Must be flexible around branch hours (Monday-Friday 9am-5pm, Saturday 9am-12pm)
Ability to operate keypad device (70% of day), electronic equipment (10%), office equipment (10%); stand 2 hours/day, sit 5 hours/day; lift up to 10 lbs. routinely (2x/day), max 20 lbs. (1x/day), occasionally up to 50 lbs.; manual dexterity for typing/data entry (40% of day)
Strong interpersonal skills, ability to work independently and as a team player

Responsibilities

Profile customers to determine financial services needs and recommend appropriate S&T loan and deposit products
Refer customers to other Line of Business partners (e.g., Mortgage, Wealth Management, Financial Services, Business Banking, Elavon, Elan, Private Banking, Evergreen, Deluxe) when appropriate
Open loan and deposit accounts, produce signature cards, certificates of deposit, and other deposit documents
Input loan applications using LOS software and coordinate loan document preparation
Achieve individual goals including loan and deposit production and other sales goals assigned by Branch management
Demonstrate product knowledge, sales aptitude, and service expectations; execute Branch Playbook expectations
Utilize sales tools (e.g., LoanFit, sales binder) to enhance customer experience and sales conversations
Complete S&T Sales process and customer-focused conversations, documenting notes in systems for future interactions
Use CARE skills, product knowledge, and policies to suggest additional services and make referrals
Contribute to branch goals, sales, and service standards as outlined in Branch Playbook
Execute professional sales and service behaviors aligned with Bank's Our Shared Future purpose, values, and core drivers
Follow up on loans and deposit accounts to correct deficiencies or document exceptions timely
Utilize Sales & Service guide for campaign calls on new/existing customers to generate business per Branch Playbook
Assist branch management in coaching staff on S&T Sales process and expectations as needed
Maintain good working relationships with other bank departments and business lines
Perform other duties as assigned to support branch operations

Skills

Customer Profiling

Sales

Product Knowledge

Loan Applications

Deposit Accounts

LOS Software

Referrals

Bank Operations

Customer Service

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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