Universal Banker at M&T Bank

Greenfield, Massachusetts, United States

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Not SpecifiedCompensation

Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

High school diploma or equivalent (GED)
Minimum of 1 year’s proven retail sales experience

Responsibilities

Specialize in branch customer experience through sales, service, and digital engagement for Consumer and Business Banking customers
Support daily operations of the branch as a Teller and meet customer service and sales needs as required
Hold customer appointments (scheduled or walk-in) to identify needs and refer complex needs to appropriate team members/partners
Educate customers and explain features/benefits of Consumer and Business Banking solutions; make recommendations based on needs
Engage customers in various ways to bank, provide solutions, and encourage/support use of digital capabilities
Explain high-level criteria used to decision loan applications
Complete servicing-related responsibilities for Consumer and Business Banking relationships and lead inquiries to identify other banking opportunities
Follow the Bank’s sales process and provide simplified, customer-focused advice and guidance
Proactively reach out to customers to contribute to retention and expansion of Consumer and Business Banking relationships
Adhere to established customer service standards and provide differentiated experience by understanding needs and delivering solutions
Actively engage in lobby management, greeting customers, inquiring, and taking ownership to solve banking needs
Introduce appropriate banking partners when servicing needs present product opportunities
Assist and stay current with Consumer and Business Banking AML, BSA, and KYC processes; identify and escalate 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 and related operational activities, including documenting interactions and appointments
Adhere to applicable compliance/operational risk controls per Company or regulatory standards and policies
Promote an environment supporting belonging and reflecting the M&T Bank brand
Maintain M&T internal control standards, including timely implementation of audit points and issues from regulators
Meet and maintain registration requirements under the Federal SAFE Act
Complete other related duties as assigned

Skills

Customer Service

Sales

Teller Operations

Digital Banking

AML

BSA

KYC

Lobby Management

Consumer Banking

Business Banking

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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