Universal Banker - Float

M&T Bank; Falmouth (KY); On-site; USD 26,000 - 43,000; Full time

Job summary

M&T Bank in Falmouth, ME seeks a Float Universal Banker to deliver exceptional branch service for Consumer and Business Banking customers. You will educate clients, promote digital tools, and assist with loan discussions while supporting daily branch operations and cross‑branch collaboration.

The role emphasizes empathetic service, adherence to procedures, and active engagement to retain and grow customer relationships across the branch network.

Qualifications

• High school diploma or GED required; retail sales or customer service experience preferred.
• Ability to travel between branches as needed.
• Strong verbal communication and interpersonal skills.
• Ability to handle difficult customer conversations with professionalism.
• Well-organized with solid time-management and prioritization abilities.
• Proficiency with standard internet/web tools.

Responsibilities

• Educate customers and explain Consumer and Business Banking features; make recommendations based on needs.
• Engage customers to promote digital capabilities and banking solutions.
• Explain high-level loan criteria used for decisions.
• Perform servicing tasks for consumer/business banking relationships and identify opportunities for additional needs.
• Follow sales process and provide clear, customer-focused guidance.
• Proactively reach out to customers to support retention and expansion of relationships.
• Maintain compliance with AML/BSA/KYC processes and document interactions in the system.
• Assist with lobby management and provide a differentiated customer experience.

Skills

Verbal communication

Interpersonal skills

Time management

Organization

Customer service

Multitasking

Education

High school diploma or equivalent (GED)

Tools

Internet navigation

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. Float Universal Banker will frequently travel to different branches within a designated area to assist branch staff as needed.

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 escalation 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

Ability to easily travel between branches on an as needed basis

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 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Falmouth, Maine, United States of America