Universal Banker - Floater- Damascus MD and surrounding branches

M&T Bank•Damascus, MD

22d•$22 - $36•Onsite

About The Position

The Universal Banker specializes in the branch customer experience through sales, service, and digital engagement with Consumer and Business Banking customers. The role supports daily branch operations as a Teller and meets customer service and sales needs at assigned branches. The banker holds scheduled and walk-in customer appointments to identify needs and refers complex needs to the appropriate team member or partner. As a floater, the banker frequently travels among branches in a designated area to assist staff and must have reliable transportation. The position provides exceptional branch service, resolves customer problems promptly, and helps drive sales and the customer experience. It interacts with other Bank areas to resolve branch operational issues efficiently and accurately. The role may involve new account opening, loan origination, problem resolution, video conferencing, and transaction processing, and requires adaptability across customer banking needs. The role must meet and maintain Federal SAFE Act registration requirements. Compensation is $21.68–$36.13 per hour; the successful candidate’s specific compensation depends on their knowledge, skills, and experience.

Requirements

High school diploma or equivalent (GED).
At least 1 year of proven retail sales, call center, customer service, or telesales experience.
Ability to travel between branches as needed.
Reliable transportation.
Strong verbal communication skills.
Strong interpersonal skills.
Ability to interact with a range of customers, from consumers to small businesses.
Ability to handle difficult customer conversations effectively.
Well-organized, with proven time management and prioritization skills.
Ability to work under critical time constraints in a team environment.
Proficiency with internet user-level technology.
Ability to stand for long periods.
Prolonged use of hands and fingers.
Ability to lift objects weighing 5 to 30 pounds.
Ability to read fine print.
Ability to interact with customers in an open, face-to-face work environment.

Nice To Haves

Bilingual ability based on branch needs.
Proven referral and/or sales ability.

Responsibilities

Educate customers about Consumer and Business Banking solutions, explain their features and benefits, and recommend solutions based on identified needs.
Engage customers through various banking channels, provide solutions, and encourage and support use of digital capabilities.
Explain the high-level criteria used to decide loan applications.
Handle servicing responsibilities for Consumer and Business Banking relationships and identify opportunities to address additional banking needs.
Follow the Bank’s sales process and provide simplified, customer-focused advice and guidance.
Proactively contact customers to support retention and expansion of Consumer and Business Banking relationships.
Meet customer service standards by understanding customer needs and delivering appropriate solutions.
Manage the lobby by greeting customers, identifying their needs, and taking ownership of resolving them.
Introduce appropriate banking partners when servicing needs reveal an opportunity for a product solution.
Stay current with Consumer and Business Banking AML, BSA, and KYC processes and related activities; identify and escalate suspected fraud.
Resolve and accurately log customer complaints in the appropriate system.
Review, approve, and help resolve Consumer and Business Banking customer overdrafts.
Accurately complete customer transactions.
Complete branch operational activities, including documenting customer interactions and appointments in the appropriate system.
Adhere to applicable compliance and operational risk controls and Company and regulatory standards and policies.
Promote a workplace 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 and applicable issues raised by external regulators.
Meet and maintain Federal SAFE Act registration requirements.
Travel between branches as needed to assist branch staff.
Complete other related duties as assigned.