Dime Community Bank jobs in New York, NY - 35 jobs
Customer Service Associate - Locust Valley Branch
Dime Community Bank 4.5
Dime Community Bank job in Locust Valley, NY
Summary: Dime Community Bank (Dime) is currently hiring for a Customer Service Associate (CSA) at its new Locust Valley Branch opening soon in Long Island. The CSA will be responsible for ensuring the accurate completion of customer requests and services, responding to inquiries in a timely fashion, and processing routine bank transactions. Prior experience as a Universal Banker, Relationship Banker, Customer Service Associate/Representative, Financial Service Associate, a plus.
The hourly wage minimum = $21; maximum = $29. The exact pay may vary based on skills, experience, training, licenses/certifications, language necessities, and location.
All applicants need to attach a recent resume. Interviews will take place at Dime's Huntington Branch (337 Main Street, Huntington, NY 11743).
Responsibilities:
* Process customer transactions accurately and efficiently, including, but not limited to, deposits, withdrawals, transfers, money orders, cash advances, cashiers' checks, and night drop bags.
* Reconcile cash drawer by proving cash transactions, counting and packaging currency and coins.
* Perform account services to all Dime customers.
* Respond to customer inquiries and deliver in-depth knowledge of Dime products and services to provide appropriate solutions.
* Support business development efforts of Branch Manager through in-branch sales, phone, and direct mailing campaigns.
* Report under the Bank Secrecy Act (BSA), requirements related to Currency Transaction Report (CTR), Suspicious Activity Report (SAR) and Dime internal Suspicious Activity Tracking Report.
* Perform New Account and File Maintenance reviews to ensure accuracy and integrity of data for SOX 404 purposes.
* Possess current knowledge of bank regulatory requirements.
* Uncover opportunities for and service clients with consumer and commercial lending needs and refer them to the appropriate department.
* Make decisions within their realm of authority (i.e., overdrafts, overrides, signature guarantees) in lieu of absent managers.
* Cross train on both teller window and banking platform as required.
Qualifications:
* High School Diploma or equivalent required.
* Minimum 1 year retail banking experience required. Prior experience as a Universal Banker, Relationship Banker, Customer Service Associate/Representative, Financial Service Associate, a plus.
* Cash-handling experience preferred.
* Excellent customer service skills.
* Advanced PC, Network, E-Mail, Director, Internet, Word Processing, Spreadsheet, and Transaction Research experience preferred.
* Strong problem-solving skills to effectively uncover and resolve customer issues.
* Thorough understanding of compliance and record keeping requirements.
$21 hourly 13d ago
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Head Teller - Locust Valley Branch
Dime Community Bank 4.5
Dime Community Bank job in Locust Valley, NY
Summary: Dime Community Bank (Dime) is currently hiring for a Head Teller at its new Locust Valley Branch opening soon in Long Island. The Head Teller will be responsible for providing guidance, supervision, and support for new and existing tellers within the branch.
The hourly wage minimum = $19; maximum = $25. The exact pay may vary based on skills, experience, training, licenses/certifications, language necessities, and location.
All applicants must attach a recent resume to be considered. Interviews will take place at Dime's Huntington Branch (337 Main Street, Huntington, NY 11743).
Responsibilities:
* Process customer transactions accurately and efficiently, including, but not limited to, deposits, withdrawals, transfers, money orders, cash advances, and cashiers' checks.
* Order, ship and provide branch with cash as well as receive vault money for branch and ATM.
* Perform various administrative and supervisory duties as designated, such as handling over and short GL's and Cash Items.
* Ensure that teller line is running efficiently and that all tellers are adhering to bank policies and procedures with respect to money handling, cash levels, transaction processing and controls.
* Support business development goals of the branch by referring customers to platform staff.
* Coach and mentor tellers in making platform referrals.
* Depending on a particular branch's needs, schedule teller staff.
Qualifications:
* High School Diploma or equivalent required.
* Prior supervisory experience preferred.
* Minimum 2 years' retail banking experience preferred.
* Strong customer service skills.
* Cash-handling experience required.
* Advanced PC, Network, E-Mail, Director, Internet, Word Processing, Spreadsheet, and Transaction Research experience preferred.
* Good problem-solving skills.
* Thorough understanding of compliance and record keeping requirements.
$19 hourly 13d ago
Deputy Chief Compliance Officer
Banking Careers 4.1
New York, NY job
We are actively recruiting for an seasoned banking Compliance professional to function as Deputy Chief Compliance Officer. Candidates should be in a Lead or Managerial Role in Commercial Banking .Reporting to the Chief Compliance Officer, the Deputy Chief Compliance Officer is the independent compliance partner to multiple Business Divisions and is responsible for ensuring that the Compliance Programs appropriately addresses the regulatory risks relative to the Division/Unit's business activities. As a Compliance leader, working within the Compliance function, the Deputy Chief Compliance Officer will be actively engaged with multiple businesses to provide compliance advice, monitoring and oversight of effective Programs. The incumbent must have the ability to act as a Deputy in the absence of the Chief Compliance Officer.
1. Serve as a subject matter expert, and support the NY Compliance team in executing its compliance responsibilities.
2. Assist in directing the overall compliance program and strategy for Firm Compliance. Assist with the day-to-day management of the Compliance Program for the New York Branches, which includes the BSA/AML and OFAC Compliance Programs and Consumer Compliance Program.
3. Recommend policies and partner with senior management to implement the Firm's compliance program.
4. Provide strong leadership, and develop Compliance staff.
5. Provide advice and guidance to management on the implications of compliance trends and issues affecting the firm.
6. Provide support to and work with legal and business groups to interpret and execute various regulatory and overall compliance issues.
7. Partner with Bank colleagues and build a coherent and effective NY compliance program.
8. Interact with business teams and other staff to assist in resolving compliance issues.
9. Assist on special projects and ad hoc assignments.
QUALIFICATIONS
Candidates should offer a minimum of 10 years direct experience in Commercial Banking.
· Knowledge of U.S. banking business, such as commercial lending, private banking, and correspondent banking. Proficiency in BSA/AML/OFAC and consumer regulations required (Reg B,D,E, F,O, P,U,Z,AA,CC,DD, etc).
Technical Skills:
· Must be able to use various in-house software compliance monitoring systems. Proficient in MS office.
$124k-170k yearly est. 60d+ ago
Commercial Credit Associate CRE
M&T Bank 4.7
New York, NY job
The Commercial Credit Associate plays a pivotal role in assessing and managing credit risk for commercial clients at M&T Bank. This position involves analyzing financial statements, monitoring loan portfolio, and ensuring compliance with credit policies and regulatory requirements. This role serves as a critical link between relationship managers (RM) and credit risk management to facilitate sound lending decisions and portfolio management.
**Primary Responsibilities:**
+ Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending adding or removing conditions. Will work with senior team members on more challenging complex transactions/account coverage.
+ Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes, but is not limited to, annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.
+ Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information.
+ Analyze financial information and related materials and complete the credit analyses for the Bank's commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals.
+ Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company's case, bank's base case and a downside case.
+ As part of managing the ongoing credit risk of existing portfolios, identify suspicious activity and activity that may be contrary to customer's interest.
+ Partner proactively with relationship managers (RM) and be intimately involved throughout the deal process, from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits. Spread financial statements and prepare financial models designed to sensitize various conditions impacting the proposed transaction.
+ Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate.
+ Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business to effectively analyze and underwrite the proposed transaction. Based on underwriting parameters, recommend the risk rating.
+ Prepare summary, present facts, and offers opinions concerning credit-worthiness. Present analysis or address questions during credit request discussions or committee presentations.
+ Ensure credit policy compliance by verifying adherence of underwriting to the Commercial Credit Policy and commenting on any risk associated with non-compliance.
+ Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management.
+ 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.
+ Complete other related duties as assigned.
**Scope of Responsibilities:**
Commercial Credit is responsible for the credit delivery of the Bank's commercial clients throughout the credit lifecycle. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions.
Position is a development account coverage role and will work with senior team members on more challenging complex transactions.
The position interacts with commercial banking RMs throughout the bank's footprint and industry verticals as well as other internal personnel on typical credit approvals.
Customer interaction is expected.
Works independently with limited supervision. Ability to lead a transaction execution team in partnership with a Commercial Credit Analyst.
**Supervisory/Managerial Responsibilities:**
Input into the development of and training of junior/newly hired Analysts.
**Education and Experience Required:**
Bachelor's degree in Accounting, Finance, Economics or related field and at least 4 years' experience in commercial credit, public accounting, and financial statement analysis. In lieu of a degree, a combined minimum 8 years' higher education and work experience to include at least 4 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
Strong verbal and written communication skills.
Strong analytical skills with proficiency in financial modeling and analysis of credit metrics. Ability to calculate and interpret financial ratios, analyze data, and complete trend analysis.
Familiarity with legal documents and how to efficiently understand structural elements.
Strong verbal and written communication skills.
Critical thinking and problem-solving abilities.
Attention to detail with a high level of accuracy.
Strong organizational and time management skills.
Ability to work independently and as a part of a team.
Customer focused with strong interpersonal skills.
Proficiency with Microsoft Office.
**Education and Experience Preferred:**
Experience with Capital IQ, FactSet, and Bloomberg.
Experience in Commercial Real Estate.
Experience with nCino.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $104,700.00 - $174,500.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
**Location**
New York, New York, United States of America
M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.
The Leveraged Lending Commercial Credit Regional Segment Director is responsible for overseeing the credit risk management, underwriting strategies, and portfolio management for Leveraged Lending portfolio for Middle Market and PE Sponsored clients. This leadership role involves developing credit policies/guidelines/procedures, managing a team of credit professionals, and ensuring the quality and performance of the loan portfolio align with the bank's risk appetite and regulatory requirements.
**Primary Responsibilities:**
+ Lead team that partners proactively with the sales and monitoring teams and is responsible for the entire credit process, from deal screen through approval, including structuring the transaction and negotiating legal documentation. Ensures that analyses provide an independent credit quality assessment of the Bank's largest commercial clients identifying credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues. These assessments include initial analyses of new money transactions, renewals, and material modifications
+ Responsible for the quality, efficiency and timeliness of the underwriting of commercial loans for multiple underwriting teams, including deal structuring, negotiating of and approval of terms sheet / legal documents and loan approvals according to credit policy and Bank procedures.
+ Provides guidance, support, and leadership with regard to more complex credit relationships, as well as fostering partnership between Commercial Credit, credit risk management, monitoring team, closing, and relationship managers.
+ Meet with bank clients and prospects as appropriate.
+ Foster a collaborative team culture and provide direction on training and employee development initiatives.
+ Proactively manages the deployment and utilization of Commercial Credit resources across the teams. Prioritizes and monitors workflow.
+ Responsible for adhering to and advising teams on credit policy.
+ Lead team that partners proactively with the sales and underwriting teams to prepare thoughtful risk assessment of customers on an ongoing basis to identify emerging risks or material changes in customers financial position, including evaluation of compliance with the loan agreement. Ensures that analyses provide an independent credit quality assessment for existing loans of the Bank's largest commercial clients identifying credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues.
+ Oversees and manages the continuous commercial credit monitoring (CCM) activities of multiple commercial monitoring teams enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.
+ Responsible for the quality, timeliness and efficiency of the monitoring activity for multiple teams.
+ Foster a collaborative team culture and provide direction on training and employee development initiatives.
+ Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations.
+ Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Design, implement, maintain and enhance internal controls to mitigate risk on an ongoing basis. Identify risk-related issues needing escalation to management.
+ 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.
+ Complete other related duties as assigned.
**Scope of Responsibilities:**
Corporate/Institutional designation includes the following segments: FIG, Fund Banking, Institutional/REIT, Large Corporate and Leveraged Lending.
Commercial Credit is responsible for the credit delivery of the Bank's commercial clients. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions.
Ensure that Commercial Credit supports the Regional Credit Officers and various Loan Committees in making timely and informative decisions on credit requests for both new and existing customers, within Bank lending parameters.
Position interacts on an ongoing basis with senior management both in First and Second lines of defense.
Recruits, develops, and retains a balanced team of credit experience to ensure bench strength within the group.
**Supervisory/Managerial Responsibilities:**
Position will have small team of manager level direct reports and up to 40 indirect.
**Education and Experience Required:**
Bachelors' degree in Accounting, Finance, or related discipline with 12 years' related experience with 4 years' work leadership/supervisory experience, or in lieu of degree, a combined minimum of 16 years' higher education and work experience to include a minimum 12 years' related experience with 4 years' work leadership/supervisory experience.
Strong analytical and decision-making abilities.
Excellent communication and interpersonal skills.
Customer focused with strong interpersonal skills.
Proficiency in financial modeling and risk assessment tools.
Experience with complex credit structures and syndicated loans.
Ability to lead cross functional teams and manage multiple projects simultaneously.
Familiarity with credit risk rating models and loan / portfolio management systems.
Proficiency in Microsoft Office.
**Education and Experience Preferred:**
MBA/Advanced Degree or CPA
Experience with Capital IQ, FactSet, and Bloomberg.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $223,026.11 - $371,710.18 (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
**Location**
New York, New York, United States of America
M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.
$223k-371.7k yearly 60d+ ago
Executive Protection and Event Security Specialist (New York, NY)
M&T Bank 4.7
New York, NY job
Provides professional executive protection and event security through advance location assessment, threat analysis and the comprehensive application of protection and security protocols to ensure the safety of the Bank's executives.
Location:
This role is based in New York, NY (Park Ave) but will require travel as needed.
Primary Responsibilities:
Conduct thorough site risk assessments to identify vulnerabilities and threats to executive leadership. Coordinate with law enforcement and third parties to ensure security of the venue and safety of the executive(s).
Proactively plan and execute security strategies for executive protection, including, but not limited to, internal corporate functions, VIP gatherings, Board of Directors meetings, investor conferences, and public appearances.
Coordinate threat intelligence, protective intelligence, and travel security with internal Corporate Security to ensure compliance with security standards.
Coordinate with law enforcement, first responders and/or third parties to ensure the safety of the executive(s) and guests. Ensure event security through the operation of security checkpoints, access control, and emergency response procedures.
Develop and maintain security operational plans, incident reports, and after-action briefings. Review and report this information to Chief Security Officer and applicable senior leaders to track status, ensure compliance and program accountability.
Develop and implement personalized security plans to ensure safety and well-being of Bank leadership, including office and/ or event space venues, transportation, travel security and residential protection, as needed.
Organize and conduct training sessions for security personnel on best practices and emergency response.
Assist in creating and/or updating policies and procedures for daily operations and events.
Conduct routine security risk assessments for corporate offices and corporate event locations.
Assist in the development of incident response protocols in partnership with the Security Risk Management and Intelligence Operations program.
Assist in staffing the Corporate Security Operations Center (CSOC) in Buffalo, NY, as required, during significant events
Maintain a high level of discretion and professionalism when dealing with clients and sensitive situations.
Maintain excellent rapport and open lines of communication regarding requests for support, service issues, and deliverables with senior leaders.
Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management.
Promote an environment that supports a culture of 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.
Complete other related duties as assigned.
Scope of Responsibilities:
This individual is a member of M&T Bank's Corporate Security Executive Protection and Event Security team. This role requires comprehensive experience and expertise in conducting advance security planning, professionalism, and discretion in dealing with senior executives and their respective staff, appropriate handling of emergency situations, and strong collaboration in building trust as a subject matter expert on event security arrangements and crisis response. Travel within the Bank's footprint, including potential international travel, is required to complete job duties.
Supervisory/Managerial Responsibilities:
No Supervisory Responsibilities
Education and Experience Required:
Bachelor's degree and a minimum of 3 years' relevant work and/or military experience, or in lieu of a degree, a combined minimum of 7 years' higher education and/or work experience, including a minimum of 3 years' relevant work and/or military experience
Demonstrated experience in providing security services for corporate events
Demonstrated experience in working with C-suite executives in delivering executive protection recommendations and provisions
Basic First Aid, CPR and AED trained and certified (or willing to obtain certification within first 3 months of employment)
Possess a valid U.S. Passport
Strong decision-making skills
Strong crisis management skills
Demonstrated firearms proficiency, and willingness to carry a firearm in furtherance of job duties, as applicable to role and jurisdiction
Ability to obtain a Concealed Carry Weapon (CCW) permit and Armed Guard Registration Card in assigned region and as required by state law
Education and Experience Preferred:
Minimum of 5 years' work experience in corporate security, law enforcement and/or military police specializing in protection-related deliverables
Prior experience in delivering security recommendations for events and travel and in a corporate environment
Experience communicating directly and diplomatically with various levels of leadership
Experience understanding and analyzing complex business problems and making sound decisions and recommendations
Membership in industry associations or certification in a related security field (Executive Protection Training/Certification)
Ability to perform first aid and basic emergency life saving techniques when needed with preferred certifications such as Emergency Medical Technician (EMT); maintains any related certifications
Physical Requirements:
Ability to drive and operate vehicles safely
Capability to stand, walk, and/or sit for extended periods
Ability to lift 50 pounds
Ability to respond rapidly to emergencies, including running short distances and transitioning quickly between movements such as sprinting, kneeling, and/or defensive positioning
Availability and ability to travel within the Bank's footprint, including internationally
Capability to sustain prolonged periods of biking, walking, standing, and/or sitting in vehicles as part of protective operations
Ability to perform effectively during extended shifts, inclement weather, irregular hours, and/or high stress environments
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $75,900.00 - $126,500.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationNew York, New York, United States of America
$75.9k-126.5k yearly Auto-Apply 4d ago
Senior Wealth Advisor
M&T Bank 4.7
New York, NY job
Accountable for a revenue goal met through the acquisition of new clients from internal and external sources, and the retention and expansion of a book of business. Consults and coordinates on the delivery of solutions for a comprehensive wealth management strategy for individuals, business owners, and/or families.
**Primary Responsibilities:**
+ Leads the client relationship team and has overall responsibility for assuring the client has access to all resources and solutions of the firm.Work closely with Client Managers, Custom Credit, Investment Advisors and Trust Officers to assess client's current financial situation, goals and objectives to determine solutions through the financial planning process. Prioritize short term and long term needs of the client based on the analysis.
+ Responsible for leading the development of sales strategies to grow client base .Promote and sell the full array of financial services distributed by the Company to current and new clients.
+ Coordinates team communication and activities.Recommend ideas, suggestions and alternative wealth solutions by utilizing a team of specialists as applicable.
+ Responsible for managing pipeline and activities to assure appropriate number of prospect opportunities are in pipeline and moving through sales cycle to meet sales goal.Implement and deliver specific solutions.
+ Leads client relationship review discussion with committee.Manage and review the relationship on an ongoing basis to ensure client goals and objectives are achieved.
+ 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:**
As the manager for a book of client relationships, the Wealth Advisor is responsible and accountable for coordinating activities of the relationship team (IAs, FAs, PBs, WSs, etc), and ultimately responsible for growth and retention of that client base. The Wealth Advisor is focused on the profitable expansion of our fee revenue while maintaining the highest ethical standards and adhering to our fiduciary culture. Accountable for revenue growth including the acquisition of new business and the ongoing relationship management, growth and retention of our existing clients.
**Managerial/Supervisory Responsibilities:**
None.
**Education and Experience Required:**
Bachelor's degree and a minimum of 9 years' sales experience in the financial services industry, or in lieu of a degree, a combined minimum of 13 years' higher education and/or work experience, including a minimum of 5 years' sales experience in the high net worth or ultra high net worth client segment
Proven track record of implementing wealth management strategies
**Education and Experience Preferred:**
Securities licensing, CFP, CTFA, CPA designation
MBA (Master's degree in Business Administration) or JD (Juris Doctor)
\#LI-LA1
\#Wilmingtontrust
\#wealthmanagement
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $170,500.00 - $284,100.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
**Location:**
New York, New York, United States of America
M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.
$170.5k-284.1k yearly 60d+ ago
Branch Manager
M&T Bank 4.7
New York, NY job
Manages all activities of a branch. Responsible for the overall success of the branch operating model, including customer and employee experience, digital engagement, transactions/operations, servicing, and sales. Has personal production responsibility.
Primary Responsibilities:
* Responsible for overall profitability by directing sales and business development, meeting operational objectives and ensuring the branch achieves its annual goals.
* Leads team through coaching, performance management, and setting priority. Builds and develops branch staff.
* Identifies Retail and Business Banking customer needs through the M&T sales processes, using the tools and resources to assist customers with short and long term solutions.
* Proactively prospects and grows Business Banking relationships through outreach. Builds the bank's presence in the community
* Conducts interviews and selects employees based on staffing model.
* Actively models and coaches customer service and needs determination behaviors. Reinforces and maintains accountability for execution of Retail strategy.
* Ensures operational and requirements are maintained, to include consumer and business banking guidelines. Ensures compliance with operational, security and control policies/procedures, preventing fraud and protecting customer assets.
* Takes ownership of complex account servicing and error resolution issues, including those escalated by other Bankers. Provide coaching and guidance to improve and reduce future problem resolution/escalations.
* Engages with all team members and business partners as appropriate.
* Independently processes all Business Banking loan requests up to $100,000. Proactively bundle products and services as appropriate.
* Adheres to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
* Promotes an environment that supports a culture of belonging and reflects the M&T Bank brand.
* Maintains M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
* Completes other related duties as assigned.
* Exercises usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations.
Scope of Responsibilities:
This position reports to a Retail Regional Manager and leads the branch team to achieve annual sales and profitability goals, and has a sound working knowledge of the overall operations of the branch.
Branch Managers have the responsibility to establish and maintain federal registration requirements outlined in the SAFE Act.
Branch Managers must stay current on operational, product, and system changes/enhancements, as well as demonstrate good risk management decisions. In addition, Insurance licensing minimum expectations must be maintained as outlined in MTS Licensed Banker Academy document. Business Banking Specialist minimum expectations will be set by both the Branch and Retail Regional Manager.
Branch Managers will typically spend some of their time servicing existing customers, and the majority of the time growing the business through proactive sales and outside calling activities.
Branch Managers are responsible for building productive partnerships with appropriate areas of the bank to ensure customer needs, service issues, and employee issues are resolved timely and accurately. Branch Managers are responsible for taking full ownership of customer issues until they are completely resolved.
Supervisory/ Managerial Responsibilities:
Branch Managers generally have direct reporting responsibility for branch staff.
Education and Experience Required:
Bachelor's degree,
OR, in lieu of degree,
Four (4) years' relevant experience. Minimum three years sales experience
Minimum two years' managerial experience or proven leadership abilities.
At Market Manager discretion/branch need, Life/Accident and Health Insurance licensing required within 18 months of entry into position. Note: branch provides training for licensing within 6 months.
M&T Business Banking Specialist within 18 months of hire.
Demonstrated strong knowledge of Business Banking products, services and client relationship management.
M&T Way Certified
Precision Leadership Certified Bi-lingual/Spanish preferred
Work with common PC software, including knowledge of Microsoft Office software for word processing and spreadsheets.
Experience with Internet and email preferred.
Education and Experience Preferred:
Demonstrated sales/business development experience and success. Has fundamental understanding of profitability.
Excellent communication and interpersonal skills.
Proven ability to demonstrate and coach exceptional customer service.
Ability to communicate and function professionally with all levels of personnel and business partners across the organization.
Strong financial services product knowledge preferred.
Strong organization, time management, and prioritization skills.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $75,900.00 - $126,500.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
Location
Bronx, New York, United States of America
$75.9k-126.5k yearly Auto-Apply 11d ago
First Line Risk Team Lead
M&T Bank 4.7
New York, NY job
**_WILL CONSIDER CANDIDATES IN BUFFALO, BRIDGEPORT, WILMINGTON, BALTIMORE, and NYC._** Implement defined first line of defense risk management initiatives within the business unit in support of the Enterprise Risk Framework. Manage the risk work and employee assignments to those initiatives responsible for risk and control functions in the business unit. Serve as Subject Matter Expert (SME) for execution of risk functions; Serve as project leader on complex and highly visible risk management projects.
**Primary Responsibilities:**
+ Foster a proactive risk culture grounded in the Enterprise Risk Framework-emphasizing self-identification, self-curing, and scalable practices. First Line risk management is responsible for risk identification, monitoring, testing, and issue management, as well as contributing to operational risk and compliance initiatives by helping implement less complex efforts within the business.
+ The First Line Risk Team Lead manages and oversees the work of risk analysts.
+ Embraces "The Way We Work" principles-core behaviors that drive agility, collaboration, and customer focus. These principles guide how we operate, improve processes, and deliver meaningful outcomes for our customers and communities.
+ This role will be specifically responsible for:
+ Ownership of the Annual Testing and Monitoring Plan for Enterprise Platforms.
+ Governance of Process Maps across Enterprise Platforms
+ Building, evolving and maintaining a KRI Inventory and Monitoring Program for Enterprise Platforms
+ Validation of self-identified and Regulatory Remediation Plans
+ Key skills and attributes for the role include:
+ Self-starter
+ Strategic mindset - helping to build/evolve this newly formed team
+ Ability to quickly adapt to change and re-prioritize work
+ Ability to influence without authority
+ Effective Collaboration skills
+ Responsible for the execution of risk initiatives that this position leads or for which their team is responsible to conduct. Responsible for completely and accurately documenting key business processes. Identify and assess risks and internal controls associated with the key processes under your leadership.
+ Actively participate in the planning, execution and reporting of the business unit's risk-based testing program. Perform control testing as an individual contributor and ensure control testing is performed for the team's risk initiatives in accordance with M&T's First Line of Defense Guidance on Management of Risks & Internal Controls and professional standards.
+ Specific control testing responsibilities will involve the review of testing, and evaluating results to determine if issues exist. Responsibilities may also include independent performance of scripted testing as well as system administrative duties such as the maintenance, validation, and / or updating in the compliance data management system (Archer). Communicate findings to management.
+ Monitor business unit performance with respect to established key risk indicators (KRIs), and recommend enhancements to strengthen risk control structure.
+ Accurately complete Risk Control Self Assessments (RCSAs) and other risk management reporting, recommending enhancements to each. Assist in the reporting and escalation of risk events and loss events.
+ Identify emerging risks and risks associated with new products/ services/ markets/ channels or changes to existing products/ services/ markets/ channels, as well as the control structures needed to mitigate the risks.
+ Provide guidance on the development of remediation plans. Manage the timely completion of remediation plans and other projects to address issues identified internally and by Enterprise Risk Management, Compliance, Internal Audit or external regulators. Validate the quality of the plans implemented.
+ Provide input to manager with regard to staff performance and growth/development of staff functions and responsibilities for risk initiatives they lead.
+ 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.
+ Complete other related duties as assigned.
**Education and Experience Required:**
+ Bachelor's degree or equivalent work experience
+ 5 or more years' relevant work experience, or in lieu of a degree
**Work Model & Office Location:**
+ This is a hybrid position requiring 3 days in-office per week
+ Eligible candidates must live within commuting distance to 345 Main Street, Buffalo, NY 14203
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $89,600.00 - $149,300.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
**Location**
Buffalo, New York, United States of America
M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.
$89.6k-149.3k yearly 27d ago
CRA Mortgage Originator
M&T Bank 4.7
New York, NY job
Originate mortgage applications within low-to-moderate income neighborhoods and to low-to-moderate income borrowers. Participate in Community Reinvestment Act (CRA) related activities and functions within M&T community bank regions. Must adhere to the requirements of federal registration under the SAFE Act.
Primary Responsibilities:
* Works independently to cultivate new mortgage business.
* Markets, services and promotes the bank's mortgage products.
* May be required to travel to and work at prospective customers' homes or business locations. Follows-up on potential customers via travel or telephone.
* Follows-up on potential customers via travel or telephone.
* Market bank wide proprietary CRA products, e.g., Get Started, with Retail Bank Network as well as outside organizations such as real estate firms, housing agencies, etc.
* Market agency related products (FHA, VA, etc.) to low-to-moderate income borrowers and in low-to-moderate income neighborhoods.Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data.
* Independently assesses applicant's credit worthiness.
* Has authority to issue pre-qualification statement of borrowers' eligibility.
* Determines which products best meet the customer's needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs.
* Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed.Negotiates terms and conditions of loans with mortgagors.
* Has authority to bind the bank in connection therewith.Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements.
* Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance.
* Interact with various housing agencies and governmental entities focused on CRA initiatives.
* Stay informed of industry regulations and governmental requirements as they relate to CRA housing needs.Meet with potential customers to ascertain financial needs as they may relate to CRA guidelines, first time homebuyer guidelines and mortgage opportunities that lie therein.
* Represents the bank in the community and related functions to identify, develop and promote additional business.
* May present seminars to general public and real estate agents to promote additional business and community outreach.
Scope of Responsibilities:
Facilitates the bank's need to meet its CRA responsibilities with the federal regulators and the citizens of the community bank regions. Relationships will forge with local housing agencies and groups which specialize in CRA outreach programs.
The incumbent is required to travel extensively with limited supervision.
The position requires extensive external contacts (potential and existing customers, Realtors, etc.) primarily on sales calls outside the office, as well as internal contacts (other Bank personnel).
Will interact with individuals and teams internally and within the assigned community, developing new relationships and maintaining existing relationships.
Responsible for establishing and maintaining federal registration requirements outlined in the SAFE Act.
Supervisory/ Managerial Responsibilities:
None.
Education and Experience Required:
Associates degree and 2 years sales experience,
OR in lieu of a degree,
A combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $31.72 - $52.86 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
Location
New York, New York, United States of America
$31.7-52.9 hourly Auto-Apply 22d ago
Bilingual Universal Banker (English & Spanish)
M&T Bank 4.7
New York, NY job
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 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.
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 fluently communicate both verbally and in writing with bank customers in both English and the specified second language. Proficiency to be determined via an assessment.
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:
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 $22.79 - $37.99 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBronx, New York, United States of America
$22.8-38 hourly Auto-Apply 33d ago
Vice President, Investment Banking
Fifth Third Bank 4.6
New York, NY job
Make banking a Fifth Third better We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION: Provide leadership in the pitching and execution of M&A and Strategic Advisory engagements while providing support to IB's Sr. Managing Director in the day to day management of the team's Associates and Analysts to ensure that junior resources are allocated appropriately across the groups projects and that the high-priority projects are getting the appropriate attention. The Principal, Investment Banking, will play a leadership role in the evolution and development of the groups modeling and analytical capabilities with limited supervision will be responsible for ensuring that the team is creating and delivering high-quality analysis and materials. For IB M&A and Strategic Advisory engagements, the Principal , Investment Banking, will be the point person in the creation of high-impact pitch materials and will run the execution process including the creation of financial models, writing of the CIM and other materials, and the regular contact with our client and the list of qualified buyers.
Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
. Understand and evaluate complex financial models.
. Perform complex financial analysis.
. Create high-impact presentation materials using PowerPoint, Excel, Word, and other relevant software programs.
. Work well as part of a team in a high stress environment.
. Develop good working relationships with peers and seniors in Capital Markets and the rest of the organization.
. Manage priorities while working on a number of high-priority opportunities simultaneously.
. A strong background in credit and corporate finance and the ability to apply that knowledge to IB projects.
. Serve as support to the Managing Directors and be capable of making internal and external IB presentations to support the efforts of the Managing Directors on the team.
. Interact independently with all important constituencies in the course of the execution of an M&A or Strategic Advisory assignment
SUPERVISORY RESPONSIBILITIES: Direct day to day supervision of the IB Associates and Analysts. Responsible for providing employees timely, candid and constructive performance feedback; developing employees to their fullest potential and providing challenging opportunities that enhance employee career growth; identifying and developing appropriate talent pool to ensure adequate bench strength and succession planning; recognizing and rewarding employees for accomplishments.
MINIMUM KNOWLEDGE & SKILLS REQUIRED:
. 7 - 10 years of experience in Investment Banking.
. Strong corporate finance and credit skills.
. Proven track record of success in working as a part of a team to originate, and close complex financial transactions.
. Proven ability to pitch, win and execute M&A engagements.
. Excellent presentation skills, both oral and written.
. Strong relationship building skills.
. The ability to interact effectively with senior executives inside and outside our organization.
. Expertise in one or more industries.
. BA/BS in Finance/Accounting/Economics (MBA strongly preferred)
. Securities Industry Essentials (SIE), Series 79 license, and Series 63 license required.
At Fifth Third Bank, we understand the importance of rewarding our employees for their hard work and dedication, therefore, our Total Rewards offering includes a differentiated compensation package and comprehensive benefits.
Benefits:
Our benefits programs are designed to support the health, happiness, and financial well-being of our employees and their families. Your benefits will include access to comprehensive medical, dental, and vision coverage, a 401(k) plan and employee stock purchase plan that both offer a generous employer match, flexible paid time off, comprehensive leave programs, and unique benefits to support your overall mental and physical wellness. For additional details, please contact your recruiter.
Compensation:
The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the US. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.
Vice President, Investment Banking
At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.
Compensation for this position is largely incentive-based. Incentive compensation is combined with either a base salary or a draw to determine total cash compensation, and incentive compensation is based upon company, line of business and/or individual performance. More information can be obtained upon request.
Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: *************************************************************** or by consulting with your talent acquisition partner.
LOCATION -- Cleveland, Ohio 44114
Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes - no matter how they are submitted - will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.
Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
$147k-199k yearly est. Auto-Apply 2d ago
Senior Relationship Banker
M&T Bank 4.7
New York, NY job
Identifies customers' needs through the bank's retail sales process to provide proactive sales solutions through customer outreach for basic and complex customer needs. Specializes in our branch customer experience through all retail and business sales interactions.
Primary Responsibilities:
* Develop new customer relationships and expand and retain existing relationships by proactively identifying opportunities leveraging the portfolio management process and utilizing the fundamentals of the Bank's sales process to achieve personal sales and/or referral goals.
* Play key role in Relationship Management (customer assessments, profiling for sales opportunities, account opening and lead-focused outbound calling), Sales Process (profile/pre-call planning, outreach, appointment preparation, interaction/appointment, follow-up) and Risk Management (audit requirements, fraud prevention, Know Your Customer (KYC) and customer information profile (CIP)).
* Reach out to clients to follow up from previous interactions based on need identified during an appointment/interaction to progress development plan.
* Develop understanding and knowledge of products and services offered by Business Banking.
* Evaluate financing requests, recommend loan structure, and submit complete loan application packages.
* Research and provide industry knowledge (e.g. vertical IQ).
* Fluently explain processes, services, and products (e.g. interest expense, amortization schedules, how to optimize/educate all types of consumer debt scenarios, Mortgage/HELOC, Business Banking products, TM and Merchant Services products)
* Attend community networking events.
* Develop relationships with Centers of Influence for referral opportunities
* Act as liaison with business partners for retail product solutions (i.e. cross-selling retail products to business owners). Build relationships with non-branch business partners (e.g. business bankers, mortgage loan originators).
* Perform basic sales duties.
* May be required to solicit new business banking relationships through outbound prospecting calling activities and develop new banking relationships through a consultative sales approach in some branches.
* 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.
* Complete other related duties as assigned.
* Responsible for meeting and maintaining registration requirements under the Federal SAFE Act
Scope of Responsibilities:
The focus of this position is to serve as key driver in growing the business through proactive identification of sales opportunities and portfolio management with customers to support achievement of annual branch sales goals. The position interacts with appropriate areas of the bank to ensure customer needs and service issues are resolved timely, accurately and completely.
The position must stay current on operational, product, and system changes/enhancements, as well as demonstrate good risk management decisions to assist the branch in managing preventable losses and reduce fraudulent activity. Must have sophisticated understanding of each 4 types of need, transactional, savings, retirement and protection (why, why and how). Works with more complex business customers.
Education and Experience Required:
High school diploma or equivalent (GED) and a minimum of 3 years proven retail sales, call center, customer service and/or telesales experience
OR
A high school diploma or equivalent (GED) and minimum of 2 years proven proactive sales experience.
Strong verbal communication and interpersonal skills
Proven ability to demonstrate exceptional customer service
Well organized individual with time management and prioritization skills
Demonstrated financial services product knowledge
Ability to communicate with tact and diplomacy with internal and external customers
Proficient with internet user-level technology
Education and Experience Preferred:
Associates degree
Notary public license
Minimum of 3 years financial services sales experience
Bi-lingual based on branch needs
Physical Requirements:
Ability to stand for long periods of time
Prolonged use of hands and fingers
Ability to lift light to heavy objects weighing 5lbs to 30lbs
Ability to read fine print
Ability to interact with customers in an open face-to-face work environment
Ability to use fax, telephone system, copier and other communication tools
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $27.59 - $45.98 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
Location
New York, New York, United States of America
$27.6-46 hourly Auto-Apply 25d ago
Wealth Client Associate- Long Island
M&T Bank 4.7
New York, NY job
**Supports servicing and related sales enablement activities to drive new client relationships and retain and deepen existing High Net Worth (HNW) and Ultra-High Net Worth (UHNW) client relationships in Wealth Management. Delivers on the Client Service Value Proposition. Partners and communicates with key stakeholders within the Wealth Management operating model to ensure clients have access to all resources and solutions based on their individual needs and situation. Utilizes operational, technical, and functional expertise to support the execution of policies and procedures that align with all aspects of Wealth Management sales and service strategy** **_._** **Resolves the more routine service issues within the team.**
**Primary Responsibilities:**
**Service the daily transaction needs of wealth clients, including but not limited to, problem resolution, overdrafts, account delinquency, wire transfers, book transfers, and account maintenance to ensure they are addressed in a timely manner and to the satisfaction of the client.**
+ Apply sound, independent judgment and take ownership over operational problems resulting from direct interaction with clients or obtained from the Client Team. Resolve routine service issues, with the goal of exceeding client expectations (with the goal of retaining and expanding client relationships).
+ Open and onboard new client relationships by getting clients acclimated with our systems and confirming the client has received all necessary information and materials.
+ Build, manage and maintain strong client relationships through daily interactions with clients, Wealth Management team, and internal business partners, to contribute to the retention and expansion of existing client relationships.
+ Provide sales support to the team for market-specific special projects, such as event coordination, process improvement and sales initiatives.
+ Remain current on products and services, internal policies and procedures and external developments, including regulations, which may affect the client and the Bank.
+ Review daily department reports to ensure compliance with operation, security, and audit procedures as well as a positive client experience. Follow established procedures when the report review identifies an issue to ensure it is resolved.
+ Understand and adhere to the Company's risk and regulatory standards, policies, and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management.
+ 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.
+ Complete other related duties as assigned.
**Education and Experience Required:**
**Bachelor's degree and a minimum of 1 years' financial services client service experience, or in lieu of a degree, a combined minimum of 5 years' higher education and/or work experience, including a minimum of 1 years' financial services client service experience**
Strong customer service skills
Strong interpersonal skills
Strong verbal and written communication skills
Strong organizational skills
Proficiency with personal computers as well as pertinent word processing, spreadsheet and presentation software
**Education and Experience Preferred:**
**Minimum of 3 years' private banking, wealth management, commercial banking and/or branch experience**
**Exposure to and knowledge of the Bank's retail and commercial banking systems**
**Knowledge of Private Banking products and services**
Trust experience
Ability to work independently and in a team-based environment
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $27.59 - $45.98 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
**Location:**
New York, New York, United States of America
M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.
$27.6-46 hourly 60d+ ago
Business Banking Relationship Manager Sales Training Program
M&T Bank 4.7
New York, NY job
RMSP: Relationship Manager Sales Training Program
A six-month hybrid program that consists of 2-3 weekly virtual sessions and travel (25%) throughout the footprint once/month, for one week at a time. Comprehensive curriculum covering essential topics and skills related to the Business Banking Relationship Manager role. The training is targeted to ensure that participants will learn commercial-specific job knowledge thoroughly and efficiently, so that trainees are well prepared to reach their goals quickly; Classroom collaboration is a key aspect of the program
Primary Responsibilities:
Participate in a combination of structured classroom sessions, web-based, and on-the-job practical training.
Will learn about the credit culture and commercial underwriting process while developing and refining relationship management skills.
Exposure to the banks sales culture when supporting commercial customer meetings.
Will develop call planning and execution skills.
Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
Promote an environment that supports diversity 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.
Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management.
Complete other related duties as assigned; timely completion of weekly in-program and in-field assignments while also managing networking events, client calls, etc.
Scope of Responsibilities:
Centralized training and program oversight will be done in Baltimore, MD or another designated location and will include periodic travel to other locations.
During the program, all trainees will learn about the credit culture and commercial underwriting process while developing and refining relationship management skills.
Trainees will be exposed to the banks sales culture when supporting commercial customer meetings. Additionally, participants will develop call planning and execution skills.
Heavy focus on project work, team collaboration, study groups, book clubs, etc.
RMSP trainees will also receive a significant amount of exposure to senior management throughout the program. (Need to be able to communicate horizontally and vertically)
The candidate will begin in a support role assisting more senior Relationship Managers in their credit and underwriting process and managing customer relationships within the bank. Eventually, successful trainees will be assigned a portfolio as well as sales goals and expectations.
Education and Experience Required:
Bachelor's Degree in accounting, finance, economics or related business field and one year of sales-related experience with a demonstrated sales aptitude or in lieu of degree, a combined minimum of 5 years higher education and/or work experience.
Previous banking and sales experience highly recommended.
Demonstrated analytical and quantitative skills, with prior knowledge of accounting principles
Ability and willingness to travel (25%) overnight extensively during program.
Proficient with MS Office software.
Education and Experience Preferred
Masters of Business Administration.
Previous experience in banking or financial services.
Experience in credit and/or underwriting
Demonstrated history of volunteerism including contribution to community/civic organizations and causes.
An ability to balance priorities and exhibit organizational skills to manage both individual and multiple team priorities.
Excellent communication and interpersonal skills with the ability to interact with all levels of personnel using tact and diplomacy.
Ability to quickly master the bank's technology and systems.
#LI-WR1
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $21.00 - $52.43 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationNew York, New York, United States of America
$21-52.4 hourly Auto-Apply 60d+ ago
Executive Protection and Event Security Specialist (New York, NY)
M&T Bank 4.7
New York, NY job
Provides professional executive protection and event security through advance location assessment, threat analysis and the comprehensive application of protection and security protocols to ensure the safety of the Bank's executives.
**Primary Responsibilities:**
+ Conduct thorough site risk assessments to identify vulnerabilities and threats to executive leadership. Coordinate with law enforcement and third parties to ensure security of the venue and safety of the executive(s).
+ Proactively plan and execute security strategies for executive protection, including, but not limited to, internal corporate functions, VIP gatherings, Board of Directors meetings, investor conferences, and public appearances.
+ Coordinate threat intelligence, protective intelligence, and travel security with internal Corporate Security to ensure compliance with security standards.
+ Coordinate with law enforcement, first responders and/or third parties to ensure the safety of the executive(s) and guests. Ensure event security through the operation of security checkpoints, access control, and emergency response procedures.
+ Develop and maintain security operational plans, incident reports, and after-action briefings. Review and report this information to Chief Security Officer and applicable senior leaders to track status, ensure compliance and program accountability.
+ Develop and implement personalized security plans to ensure safety and well-being of Bank leadership, including office and/ or event space venues, transportation, travel security and residential protection, as needed.
+ Organize and conduct training sessions for security personnel on best practices and emergency response.
+ Assist in creating and/or updating policies and procedures for daily operations and events.
+ Conduct routine security risk assessments for corporate offices and corporate event locations.
+ Assist in the development of incident response protocols in partnership with the Security Risk Management and Intelligence Operations program.
+ Assist in staffing the Corporate Security Operations Center (CSOC) in Buffalo, NY, as required, during significant events
+ Maintain a high level of discretion and professionalism when dealing with clients and sensitive situations.
+ Maintain excellent rapport and open lines of communication regarding requests for support, service issues, and deliverables with senior leaders.
+ Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management.
+ Promote an environment that supports a culture of 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.
+ Complete other related duties as assigned.
**Scope of Responsibilities:**
This individual is a member of M&T Bank's Corporate Security Executive Protection and Event Security team. This role requires comprehensive experience and expertise in conducting advance security planning, professionalism, and discretion in dealing with senior executives and their respective staff, appropriate handling of emergency situations, and strong collaboration in building trust as a subject matter expert on event security arrangements and crisis response. Travel within the Bank's footprint, including potential international travel, is required to complete job duties.
**Supervisory/Managerial Responsibilities:**
No Supervisory Responsibilities
**Education and Experience Required:**
+ Bachelor's degree and a minimum of 3 years' relevant work and/or military experience, or in lieu of a degree, a combined minimum of 7 years' higher education and/or work experience, including a minimum of 3 years' relevant work and/or military experience
+ Demonstrated experience in providing security services for corporate events
+ Demonstrated experience in working with C-suite executives in delivering executive protection recommendations and provisions
+ Basic First Aid, CPR and AED trained and certified (or willing to obtain certification within first 3 months of employment)
+ Possess a valid U.S. Passport
+ Strong decision-making skills
+ Strong crisis management skills
+ Demonstrated firearms proficiency, and willingness to carry a firearm in furtherance of job duties, as applicable to role and jurisdiction
+ Ability to obtain a Concealed Carry Weapon (CCW) permit and Armed Guard Registration Card in assigned region and as required by state law
**Education and Experience Preferred:**
+ Minimum of 5 years' work experience in corporate security, law enforcement and/or military police specializing in protection-related deliverables
+ Prior experience in delivering security recommendations for events and travel and in a corporate environment
+ Experience communicating directly and diplomatically with various levels of leadership
+ Experience understanding and analyzing complex business problems and making sound decisions and recommendations
+ Membership in industry associations or certification in a related security field (Executive Protection Training/Certification)
+ Ability to perform first aid and basic emergency life saving techniques when needed with preferred certifications such as Emergency Medical Technician (EMT); maintains any related certifications
**Physical Requirements:**
Ability to drive and operate vehicles safely
Capability to stand, walk, and/or sit for extended periods
Ability to lift 50 pounds
Ability to respond rapidly to emergencies, including running short distances and transitioning quickly between movements such as sprinting, kneeling, and/or defensive positioning
Availability and ability to travel within the Bank's footprint, including internationally
Capability to sustain prolonged periods of biking, walking, standing, and/or sitting in vehicles as part of protective operations
Ability to perform effectively during extended shifts, inclement weather, irregular hours, and/or high stress environments
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $75,900.00 - $126,500.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
**Location**
New York, New York, United States of America
M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.
The Commercial Credit Associate plays a pivotal role in assessing and managing credit risk for affordable housing commercial clients at M&T Bank. This position involves analyzing financial statements, monitoring loan portfolio, and ensuring compliance with credit policies and regulatory requirements. This role serves as a critical link between relationship managers (RM) and credit risk management to facilitate sound lending decisions and portfolio management.
Primary Responsibilities:
Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending adding or removing conditions. Will work with senior team members on more challenging complex transactions/account coverage.
Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes, but is not limited to, annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.
Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information.
Analyze financial information and related materials and complete the credit analyses for the Bank's commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals.
Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company's case, bank's base case and a downside case.
As part of managing the ongoing credit risk of existing portfolios, identify suspicious activity and activity that may be contrary to customer's interest.
Partner proactively with relationship managers (RM) and be intimately involved throughout the deal process, from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits. Spread financial statements and prepare financial models designed to sensitize various conditions impacting the proposed transaction.
Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate.
Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business to effectively analyze and underwrite the proposed transaction. Based on underwriting parameters, recommend the risk rating.
Prepare summary, present facts, and offers opinions concerning credit-worthiness. Present analysis or address questions during credit request discussions or committee presentations.
Ensure credit policy compliance by verifying adherence of underwriting to the Commercial Credit Policy and commenting on any risk associated with non-compliance.
Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management.
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.
Complete other related duties as assigned.
Scope of Responsibilities:
Commercial Credit is responsible for the credit delivery of the Bank's commercial clients throughout the credit lifecycle. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions.
Position is a development account coverage role and will work with senior team members on more challenging complex transactions.
The position interacts with commercial banking RMs throughout the bank's footprint and industry verticals as well as other internal and external personnel such as appraisers, construction consultants and legal counsel, on typical credit approvals.
Customer interaction is expected.
Works independently with limited supervision.
Ability to lead a transaction execution team in partnership with a Commercial Credit Analyst, or Credit Lead/Expert depending upon the complexity and workflow.
Supervisory/Managerial Responsibilities:
Input into the development of and training of junior/newly hired Analysts.
Education and Experience Required:
Bachelor's degree in Accounting, Finance, Economics or related field and at least 4 years' experience in commercial credit, public accounting, and financial statement analysis. In lieu of a degree, a combined minimum 8 years' higher education and work experience to include at least 4 years' experience in commercial credit, public accounting, financial statement preparation/analysis or other financial analysis.
Strong verbal and written communication skills.
Strong analytical skills with proficiency in financial modeling and analysis of credit metrics. Ability to calculate and interpret financial ratios, analyze data, and complete trend analysis.
Familiarity with legal documents and how to efficiently understand structural
Critical thinking and problem-solving abilities.
Attention to detail with a high level of accuracy.
Strong organizational and time management skills.
Ability to work independently and as a part of a team.
Customer focused with strong interpersonal skills.
Proficiency with Microsoft Office.
Education and Experience Preferred:
Three years of Affordable Housing finance experience.
Deal coverage includes the northeast footprint.
Experience in Commercial Real Estate and specifically construction lending experience.
Experience with NCino, Reis/CoStar.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $104,700.00 - $174,500.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
**Location**
New York, New York, United States of America
M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.
$104.7k-174.5k yearly 27d ago
Senior Wealth Advisor
M&T Bank 4.7
New York, NY job
Accountable for a revenue goal met through the acquisition of new clients from internal and external sources, and the retention and expansion of a book of business. Consults and coordinates on the delivery of solutions for a comprehensive wealth management strategy for individuals, business owners, and/or families.
Primary Responsibilities:
Leads the client relationship team and has overall responsibility for assuring the client has access to all resources and solutions of the firm. Work closely with Client Managers, Custom Credit, Investment Advisors and Trust Officers to assess client's current financial situation, goals and objectives to determine solutions through the financial planning process. Prioritize short term and long term needs of the client based on the analysis.
Responsible for leading the development of sales strategies to grow client base . Promote and sell the full array of financial services distributed by the Company to current and new clients.
Coordinates team communication and activities. Recommend ideas, suggestions and alternative wealth solutions by utilizing a team of specialists as applicable.
Responsible for managing pipeline and activities to assure appropriate number of prospect opportunities are in pipeline and moving through sales cycle to meet sales goal. Implement and deliver specific solutions.
Leads client relationship review discussion with committee. Manage and review the relationship on an ongoing basis to ensure client goals and objectives are achieved.
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:
As the manager for a book of client relationships, the Wealth Advisor is responsible and accountable for coordinating activities of the relationship team (IAs, FAs, PBs, WSs, etc), and ultimately responsible for growth and retention of that client base. The Wealth Advisor is focused on the profitable expansion of our fee revenue while maintaining the highest ethical standards and adhering to our fiduciary culture. Accountable for revenue growth including the acquisition of new business and the ongoing relationship management, growth and retention of our existing clients.
Managerial/Supervisory Responsibilities:
None.
Education and Experience Required:
Bachelor's degree and a minimum of 9 years' sales experience in the financial services industry, or in lieu of a degree, a combined minimum of 13 years' higher education and/or work experience, including a minimum of 5 years' sales experience in the high net worth or ultra high net worth client segment
Proven track record of implementing wealth management strategies
Education and Experience Preferred:
Securities licensing, CFP, CTFA, CPA designation
MBA (Master's degree in Business Administration) or JD (Juris Doctor)
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M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $170,500.00 - $284,100.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.Location:New York, New York, United States of America
The Leveraged Lending Commercial Credit Regional Segment Director is responsible for overseeing the credit risk management, underwriting strategies, and portfolio management for Leveraged Lending portfolio for Middle Market and PE Sponsored clients. This leadership role involves developing credit policies/guidelines/procedures, managing a team of credit professionals, and ensuring the quality and performance of the loan portfolio align with the bank's risk appetite and regulatory requirements.
Primary Responsibilities:
* Lead team that partners proactively with the sales and monitoring teams and is responsible for the entire credit process, from deal screen through approval, including structuring the transaction and negotiating legal documentation. Ensures that analyses provide an independent credit quality assessment of the Bank's largest commercial clients identifying credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues. These assessments include initial analyses of new money transactions, renewals, and material modifications
* Responsible for the quality, efficiency and timeliness of the underwriting of commercial loans for multiple underwriting teams, including deal structuring, negotiating of and approval of terms sheet / legal documents and loan approvals according to credit policy and Bank procedures.
* Provides guidance, support, and leadership with regard to more complex credit relationships, as well as fostering partnership between Commercial Credit, credit risk management, monitoring team, closing, and relationship managers.
* Meet with bank clients and prospects as appropriate.
* Foster a collaborative team culture and provide direction on training and employee development initiatives.
* Proactively manages the deployment and utilization of Commercial Credit resources across the teams. Prioritizes and monitors workflow.
* Responsible for adhering to and advising teams on credit policy.
* Lead team that partners proactively with the sales and underwriting teams to prepare thoughtful risk assessment of customers on an ongoing basis to identify emerging risks or material changes in customers financial position, including evaluation of compliance with the loan agreement. Ensures that analyses provide an independent credit quality assessment for existing loans of the Bank's largest commercial clients identifying credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues.
* Oversees and manages the continuous commercial credit monitoring (CCM) activities of multiple commercial monitoring teams enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.
* Responsible for the quality, timeliness and efficiency of the monitoring activity for multiple teams.
* Foster a collaborative team culture and provide direction on training and employee development initiatives.
* Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations.
* Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Design, implement, maintain and enhance internal controls to mitigate risk on an ongoing basis. Identify risk-related issues needing escalation to management.
* 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.
* Complete other related duties as assigned.
Scope of Responsibilities:
Corporate/Institutional designation includes the following segments: FIG, Fund Banking, Institutional/REIT, Large Corporate and Leveraged Lending.
Commercial Credit is responsible for the credit delivery of the Bank's commercial clients. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions.
Ensure that Commercial Credit supports the Regional Credit Officers and various Loan Committees in making timely and informative decisions on credit requests for both new and existing customers, within Bank lending parameters.
Position interacts on an ongoing basis with senior management both in First and Second lines of defense.
Recruits, develops, and retains a balanced team of credit experience to ensure bench strength within the group.
Supervisory/Managerial Responsibilities:
Position will have small team of manager level direct reports and up to 40 indirect.
Education and Experience Required:
Bachelors' degree in Accounting, Finance, or related discipline with 12 years' related experience with 4 years' work leadership/supervisory experience, or in lieu of degree, a combined minimum of 16 years' higher education and work experience to include a minimum 12 years' related experience with 4 years' work leadership/supervisory experience.
Strong analytical and decision-making abilities.
Excellent communication and interpersonal skills.
Customer focused with strong interpersonal skills.
Proficiency in financial modeling and risk assessment tools.
Experience with complex credit structures and syndicated loans.
Ability to lead cross functional teams and manage multiple projects simultaneously.
Familiarity with credit risk rating models and loan / portfolio management systems.
Proficiency in Microsoft Office.
Education and Experience Preferred:
MBA/Advanced Degree or CPA
Experience with Capital IQ, FactSet, and Bloomberg.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $223,026.11 - $371,710.18 (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
Location
New York, New York, United States of America
$223k-371.7k yearly Auto-Apply 22d ago
CRA Mortgage Originator
M&T Bank 4.7
New York, NY job
Originate mortgage applications within low-to-moderate income neighborhoods and to low-to-moderate income borrowers. Participate in Community Reinvestment Act (CRA) related activities and functions within M&T community bank regions. Must adhere to the requirements of federal registration under the SAFE Act.
**Primary Responsibilities:**
+ Works independently to cultivate new mortgage business.
+ Markets, services and promotes the bank's mortgage products.
+ May be required to travel to and work at prospective customers' homes or business locations. Follows-up on potential customers via travel or telephone.
+ Follows-up on potential customers via travel or telephone.
+ Market bank wide proprietary CRA products, e.g., Get Started, with Retail Bank Network as well as outside organizations such as real estate firms, housing agencies, etc.
+ Market agency related products (FHA, VA, etc.) to low-to-moderate income borrowers and in low-to-moderate income neighborhoods.Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data.
+ Independently assesses applicant's credit worthiness.
+ Has authority to issue pre-qualification statement of borrowers' eligibility.
+ Determines which products best meet the customer's needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs.
+ Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed.Negotiates terms and conditions of loans with mortgagors.
+ Has authority to bind the bank in connection therewith.Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements.
+ Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance.
+ Interact with various housing agencies and governmental entities focused on CRA initiatives.
+ Stay informed of industry regulations and governmental requirements as they relate to CRA housing needs.Meet with potential customers to ascertain financial needs as they may relate to CRA guidelines, first time homebuyer guidelines and mortgage opportunities that lie therein.
+ Represents the bank in the community and related functions to identify, develop and promote additional business.
+ May present seminars to general public and real estate agents to promote additional business and community outreach.
**Scope of Responsibilities:**
Facilitates the bank's need to meet its CRA responsibilities with the federal regulators and the citizens of the community bank regions. Relationships will forge with local housing agencies and groups which specialize in CRA outreach programs.
The incumbent is required to travel extensively with limited supervision.
The position requires extensive external contacts (potential and existing customers, Realtors, etc.) primarily on sales calls outside the office, as well as internal contacts (other Bank personnel).
Will interact with individuals and teams internally and within the assigned community, developing new relationships and maintaining existing relationships.
Responsible for establishing and maintaining federal registration requirements outlined in the SAFE Act.
**Supervisory/ Managerial Responsibilities:**
None.
**Education and Experience Required:**
Associates degree and 2 years sales experience,
OR in lieu of a degree,
A combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $31.72 - $52.86 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
**Location**
New York, New York, United States of America
M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.