Universal Banker at M&T Bank

Independence, Missouri, United States

Apply Now

Not SpecifiedCompensation

Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Must be flexible around branch hours (Monday - Thursday: 9:00 am - 4:00 pm; Friday: 9:00 am - 6:00 pm)
Knowledge of computer systems, S&T sales skills, product knowledge, and bank policies and procedures
CARE certified within 6 months of hire

Responsibilities

Operate customer service window efficiently and accurately, providing exceptional service on transactions including: identifying customers, verifying authenticity, protecting against fraud (e.g., verifying balances, placing holds, documenting ID), accepting deposits/checks/coupons for cashing, issuing receipts, handling savings deposits/withdrawals, providing services like money orders, accepting loan/other payments, balancing window cash daily, performing ATM settlement, and assisting in vault balancing
Profile customers to recommend appropriate S&T loan and deposit products using sales tools (e.g., LoanFit, sales binders)
Complete S&T sales process, conduct customer-focused conversations, document notes in systems, develop customer profiles, identify banking needs, close business, and perform follow-up calls
Build professional relationships with customers to define needs and increase loyalty
Demonstrate understanding of S&T sales process, policies, and procedures to identify add-on selling opportunities and make recommendations
Contribute to branch goals, sales, and service standards per branch playbook and management direction; execute professional sales/service behaviors aligned with bank's purpose, values, and core drivers
Perform follow-up calls to new account customers for satisfaction and leads; make outbound calls per playbook/scripts to grow relationships; participate in branch sales call campaigns
Perform data entry, prepare documentation for new/existing accounts, maintain accounts, answer questions, solve problems, handle check orders
Perform customer service duties such as taking deposits, cashing checks, processing withdrawals
Prepare loan applications using LOS software and coordinate loan document preparation

Skills

Customer Service

Teller Operations

Sales Skills

Fraud Prevention

Deposit Processing

Check Cashing

Loan Payments

Cash Balancing

ATM Settlement

Product Knowledge

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.

Land your dream remote job 3x faster with AI

Try Jobo Free