Universal Banker

Overview Specializes in our branch customer experience through sales, service and digital engagement of our 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. Primary 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 decide 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, meet and greet customers and proactively ask and take 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, BSA and KYC processes and related activities. Identify and elevate 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. Scope of Responsibilities The position is responsible for providing exceptional service to branch customers and resolving customer problems in a timely manner. It is a key driver of sales and the customer experience within the branch. It is responsible for interacting with appropriate areas within the Bank to ensure branch‑related operational issues are resolved efficiently and accurately. The position exemplifies empathy, customer centricity, flexibility, adaptability, digital fluency, entrepreneurial spirit and critical thinking in support of the Company’s culture and brand. The job holder is adaptable to service any and all banking needs of the customer, inclusive of new account opening or loan origination, problem resolution, video conferencing and processing of transactions. Education and Experience Required High school diploma or equivalent (GED) and a minimum of 1 year’s proven retail sales, call center, customer service, or telesales experience. Strong verbal communication skills. Strong interpersonal skills. Ability to interact with varying customers (consumer to small business). Ability to effectively handle difficult customer conversations. Well‑organized. Proven time‑management skills. Proven prioritization skills. Ability to work under critical time constraints in a team environment. Proficiency with internet user‑level technology. Education and Experience Preferred Bilingual based on branch needs. Proven referral and/or sales ability. Physical Requirements Ability to stand for long periods of time. Prolonged use of hands and fingers. Ability to lift light to heavy objects weighting 5 lbs. to 30 lbs. Ability to read fine print. Ability to interact with customers in an open face‑to‑face work environment. M&T Bank is committed to fair, competitive, and market‑informed pay for our employees. The pay range for this position is $18.68 - $31.14 (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. Location Vergennes, Vermont, United States of America #J-18808-Ljbffr