Universal Banker

mtb; Exeter (NH); On-site; USD 30,000 - 50,000; Full time

Job summary

M&T Bank is seeking a Teller to support branch operations and deliver exceptional customer service in Exeter, NH. You will handle transactions, explain banking products, and guide customers toward digital solutions while meeting sales targets.

The role requires strong communication, organization, and the ability to work under time constraints in a team environment. Prior retail or service experience is valued.

Qualifications

• High school diploma or GED with 1+ year in retail sales, call center, or customer service.
• Strong verbal communication skills and interpersonal abilities.
• Ability to handle varied customer interactions (consumer to small business).
• Capable of difficult customer conversations with composure.
• Well-organized with time management and prioritization skills.
• Proficient with internet-based tools and online banking.

Responsibilities

• Educate customers and explain features and benefits of banking solutions; make recommendations.
• Engage customers and promote digital banking capabilities in interactions.
• Explain loan decision criteria at a high level.
• Complete servicing tasks for Consumer and Business Banking customers and identify cross-sell opportunities.
• Follow the bank's sales process and provide clear, customer-focused advice.
• Proactively reach out to customers to retain and expand relationships.
• Adhere to service standards and deliver solutions in moments that matter.
• Actively manage the lobby, greet customers, and own problem resolution.
• Recommend banking partners when appropriate to fulfill needs.
• Stay compliant with AML/BSA/KYC processes and flag potential fraud.
• Resolve customer complaints and log interactions accurately.
• Review and address overdrafts; complete customer transactions.
• Document interactions and appointments in the bank systems; comply with risk controls.
• Contribute to internal controls and support regulatory requirements.
• Represent the M&T Bank brand and foster belonging in the team.
• Maintain required registration under the Federal SAFE Act.

Skills

Verbal communication

Interpersonal skills

Time management

Prioritization

Internet literacy

Customer service

Education

High school diploma or GED

Bilingual based on branch needs

Job description

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 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 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.
• 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.

Scope of Responsibilities:

The position is responsible for providing exceptional service to branch customers and resolving customer problems in a timely manner. The position is a key driver of sales and the customer experience within the branch. The position is responsible for interacting with appropriate areas within the Bank to ensure branch-related operational issues are resolved efficiently and accurately. It is important for the jobholder to exemplify empathy, customer centricity, flexibility and adaptability, digital fluency, entrepreneurial spirit and critical thinking in support of the Company's culture and brand. In functioning in multiple capacities within the branch, it is important for the jobholder to be 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.

Managerial/Supervisory Responsibilities:

Not Applicable

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 skillsAbility 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

Compensation:

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $21.68 - $36.13 (USD). The successful candidate's pa