M&T Bank

Universal Banker

Medford, New York, United States

$40,000 – $60,000Compensation
Entry Level & New Grad, Junior (1 to 2 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial Services, BankingIndustries

Requirements

Candidates should possess a high school diploma or equivalent, and ideally have a Bachelor’s degree in Finance, Business Administration, or a related field. They must demonstrate a strong understanding of banking products and services, as well as excellent customer service skills.

Responsibilities

The Universal Banker will be responsible for providing sales, service, and digital engagement to Consumer and Business Banking customers, supporting daily branch operations as a Teller, and meeting customer service and sales needs. This includes educating customers on banking solutions, making recommendations based on their needs, engaging customers in various ways to bank with the bank, explaining loan criteria, completing servicing responsibilities, proactively reaching out to customers, managing lobby activities, introducing appropriate banking partners, assisting with AML/BSA/KYC processes, resolving customer complaints, accurately completing transactions, and adhering to compliance and operational risk controls.

Skills

Customer Service
Sales
Banking Products
Teller Operations
AML/BSA/KYC
Transaction Processing
Compliance
Risk Controls

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.

Key Metrics

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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