Universal Banker at M&T Bank

Kittery, Maine, 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 (GED)
Minimum of 1 year’s proven retail sales experience

Responsibilities

Educate customers and explain features and benefits of Consumer and Business Banking solutions; make recommendations based on the customer’s identified needs
Engage customers in a variety of ways to bank with us and provide solutions to meet their needs, encouraging and supporting the use of digital capabilities in customer interactions
Explain the high-level criteria used to decision loan applications
Complete servicing-related responsibilities specific to Consumer and Business Banking customer relationships and lead with inquiries to identify opportunities to solve for other banking needs
Follow the Bank’s sales process and provide simplified, customer-focused advice and guidance
Proactively reach out to customers to contribute to the retention and expansion of all Consumer and Business Banking relationships
Adhere to established customer service standards and provide a differentiated experience by understanding customer needs and delivering solutions in moments that matter most to them
Actively engage in lobby management, meeting and greeting customers and proactively inquiring and taking ownership to solve their banking needs
Introduce appropriate banking partner when servicing needs present an opportunity for a product solution
Assist and stay current with the Consumer and Business Banking AML (Anti-Money Laundering), BSA (Bank Secrecy Act) and KYC (Know Your Customer) processes and related activities. Identify and escalate cases of 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. Complete related operational activities required by assigned branch, including documenting interactions and appointments with customers using the appropriate system
Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies
Promote an environment that supports belonging and reflects the M&T Bank brand
Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable
Responsible for meeting and maintaining registration requirements under the Federal SAFE Act
Complete other related duties as assigned
Specializes in branch customer experience through sales, service and digital engagement of Consumer and Business Banking customers
Supports daily operations of the branch as a Teller and meets customer service and sales needs as required by the assigned branch
Holds customer appointments scheduled by customers and/or branch team as well as walk-in appointments to identify customer needs; refers complex customer needs to the appropriate team member/partner

Skills

Key technologies and capabilities for this role

Customer ServiceSalesTeller OperationsDigital EngagementAMLBSAKYCLobby ManagementConsumer BankingBusiness Banking

Questions & Answers

Common questions about this position

Is this a full-time position?

Yes, this is a full-time employment opportunity.

What are the main responsibilities of a Universal Banker?

The role involves specializing in branch customer experience through sales, service, and digital engagement, supporting daily branch operations as a Teller, holding customer appointments, educating customers on banking solutions, and adhering to compliance standards.

What customer service skills are needed for this role?

Strong customer service skills are required, including educating customers on banking solutions, providing differentiated experiences, actively engaging in lobby management, resolving complaints, and delivering solutions in moments that matter.

What compliance knowledge is required?

Knowledge of Consumer and Business Banking AML (Anti-Money Laundering), BSA (Bank Secrecy Act), and KYC (Know Your Customer) processes is required, along with adherence to compliance/operational risk controls and maintaining registration under the Federal SAFE Act.

What is the company culture like at M&T Bank?

The culture promotes an environment that supports belonging and reflects the M&T Bank brand, with a focus on exceptional customer service, internal control standards, and teamwork in branch operations.

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