Universal Banker at M&T Bank

Marcus Hook, Pennsylvania, United States

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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: 8:30 am - 5:00 pm, Friday: 8:30 am - 6:00 pm)
CARE certified within 6 months of hire
Knowledge of computer systems, S&T sales skills, product knowledge, and policies/procedures
Demonstrates complete understanding of the S&T sales process and comprehensive knowledge of S&T policies and procedures

Responsibilities

Operate customer service window efficiently and accurately, providing exceptional service on transactions: identify/verify customers, protect against fraud (verify balances, place holds, document ID), accept deposits/checks/coupons for cashing (verify endorsements/balances), issue receipts, handle savings deposits/withdrawals, provide services like money orders, accept loan/other payments
Balance window cash daily
Perform ATM settlement where applicable
Assist in vault balancing where applicable
Profile customers to recommend appropriate S&T loan and deposit products
Utilize sales tools (e.g., LoanFit, sales binders) to enhance customer experience and sales
Complete S&T sales process, document notes in systems for all bankers
Develop customer profiles, identify banking needs, close business, perform follow-up calls
Build professional relationships with customers to define needs and increase loyalty
Identify add-on selling opportunities and make recommendations
Contribute to branch goals, sales/service standards per branch playbook
Execute professional sales/service behaviors aligned with Bank's purpose, values, core drivers
Perform follow-up calls to new account customers for satisfaction/leads
Perform outbound calls per branch playbook/scripts to grow relationships
Participate in branch sales call campaigns as needed
Perform data entry, prepare documentation for new/existing accounts
Maintain accounts, answer questions, solve problems, handle check orders
Perform customer service duties (deposits, cashing checks, withdrawals)
Prepare loan applications using LOS software, coordinate loan document preparation
Maintain good working relationships

Skills

Cash Handling

Customer Service

Sales

Fraud Detection

Deposit Processing

Check Cashing

Loan Payments

ATM Settlement

Vault Balancing

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.

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