NBT Bancorp Incorporated jobs in Albany, NY

Pay Range: $17.50 - $20.01Responsible for performing various duties related to the Operations area. Functions to include but not limited to answering internal and external customer questions, performing account maintenance and verification, reconciling the payment of monies to outside agencies, processing complex transactions, ensuring compliance with regulations, resolving exception issues and understanding double entry bookkeeping as it relates to daily production work. Education and Experience: High School graduate, GED or equivalent experience Skills and Abilities: Customer service skills. Data entry skills helpful but not required. Basic accounting skills helpful but not required. PC skills in a Windows environment. Tasks Performed: 60% Process monetary/non-monetary transactions; perform data input functions; perform verification of data; perform scanning and indexing; reconcile assigned accounts; resolve exception issues; perform research; accurately and efficiently as assigned. 10% Ensures that all security measures, procedures, and controls are adhered to. 10% Respond to internal and external customer inquiries. 10% Uphold service level standards under normal conditions. 5% Develop procedures in conjunction with the supervisor and train new employees. 5% Other duties as assigned. Physical Requirements: Communicate effectively with internal and/or external customers Stationary 75% of time or greater Move Objects to Maximum 10 lbs Why Work at NBT At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community - because your success drives our success. Wellbeing At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. Community Involvement NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. Culture NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. Career Development Whether you're just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. Total Rewards NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives - ensuring you feel valued every step of the way. Business Stability NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. Benefits for Full-Time Employees: Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. Parental Leave: Six weeks of paid leave at 100% of your salary. Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. Dental and Vision Coverage: Ensuring your overall health and well-being. Flexible Spending Accounts: For healthcare and dependent care expenses. Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage. Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage. Voluntary Benefits: Including hospital, accident, and critical illness coverage. Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future. Adoption Assistance: Supporting your growing family. Tuition Reimbursement: Invest in your education and career growth. Employee Assistance Program (EAP): Access to support and resources. Financial and Banking Services: Various benefits and financial planning assistance. Benefits for Part-Time Employees Working 20+ Hours/Week: Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. Generous Parental Leave: Six weeks of paid leave at 100% of your salary. Benefits for All Part-Time Employees: Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future Paid Sick and Safe Leave: For your health and safety. Employee Assistance Program (EAP): Access to support and resources. Financial and Banking Services: Various benefits and financial planning assistance. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.

Individuals in Governance Reporting & Analysis are responsible for developing standard risk and controls reporting to ensure sound, reliable, consistent information exists across the organization to enable better management and decision-making in line with the expectations of senior management, Board, and the Regulators. Provide data analysis, governance, end to end management and oversight for Governance Committees in adherence to Citi's Policies, Standards and Procedures enabling proactive management of the risk and control environment. Responsibilities: * Support development of standardized risk and controls reporting to ensure sound, reliable, and consistent information exists across the organization, enabling better management and decision-making in line with the expectations senior of management, Board, and Regulators. * Provide data analysis, governance, end-to-end management, and oversight for Governance Committees in adherence to Citi's Policies, Standards, and Procedures. * Enable proactive management of the risk and control environment through comprehensive reporting and analysis. * Support identification of potential areas of vulnerability to key stakeholders to help support implementing an appropriate measure to mitigate risk. * Regularly review and update risk and controls reporting standards and procedures to ensure their effectiveness and compliance with regulatory requirements. * Support regular updates to senior management and the Board, keeping them informed of risk and control status and to ensure their reporting expectations are met. * Support the operations of Citi's governance committees, including coordinating meetings, managing agendas, and ensuring follow-up on action items. * Provide updates for committee chairs decision-making process in alignment with organizational goals and governance standards. * Support compliance with governance standards and regulatory requirements related to committee operations. * Assist development and implementation of controls training program covering regulatory requirements, internal control procedures, and industry best practices. * Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of teams and create accountability with those who fail to maintain these standards Qualifications: * Minimum of 6-10 years of experience in operational risk management, compliance, audit, or other control-related functions in the financial services industry. * Ability to identify, measure, and manage key risks and controls. * Strong knowledge in the development and execution for controls. * Proven experience in control related functions in the financial industry. * Proven experience in implementing sustainable solutions and improving processes. * Understanding of compliance laws, rules, regulations, and best practices. * Understanding of Citi's Policies, Standards, and Procedures. * Strong analytical skills to evaluate complex risk and control activities and processes. * Strong verbal and written communication skills, with a demonstrated ability to engage at the senior management level. * Strong problem-solving and decision-making skills * Ability to manage multiple tasks and priorities. * Proficiency in Microsoft Office suite, particularly Excel, PowerPoint, and Word. Education: Bachelor's/University degree, Master's degree preferred * ----------------------------------------------------- Job Family Group: Controls Governance & Oversight * ----------------------------------------------------- Job Family: Governance Reporting & Analysis * ----------------------------------------------------- Time Type: Full time * ----------------------------------------------------- Primary Location: Tampa Florida United States * ----------------------------------------------------- Primary Location Full Time Salary Range: $113,840.00 - $170,760.00 In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire. * ----------------------------------------------------- Most Relevant Skills Analytical Thinking, Communication, Constructive Debate, Controls Lifecycle, Data Analysis, Escalation Management, Governance, Needs Assessment, Program Management, Risk Management. * ----------------------------------------------------- Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. * ----------------------------------------------------- Anticipated Posting Close Date: * ----------------------------------------------------- Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi's EEO Policy Statement and the Know Your Rights poster.

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.LocationNew York, New York, United States of America

The Community Branch Internship Program is a 10-week summer internship centered around customer service, professional development, career growth and building the necessary interpersonal skills to succeed within Retail Banking. Participants will have the opportunity to immerse themselves into the M&T Bank Culture to gain an understanding of our engagement and belonging efforts along with community initiatives. Interns will gain exposure through guest speakers and industry leaders, workshop trainings, and a built-in network with peers as well as priority consideration for full time opportunities throughout the Bank. **Primary Responsibilities:** + Play a key role in Customer Relationship Management through proactive outreach and servicing and will be responsible for identifying financial need of customers and presenting appropriate options, onboarding new customers, and establishing trust with existing customers. + Service our customers to gain fundamental understanding of Retail Banking. + Complete duties and responsibilities of an entry-level professional nature specific to assigned area of the Bank. + Ensure activities adhere to established internal policies and external regulations 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. + 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:** The jobholder works under immediate supervision. The position is for about a 10-week time period from beginning to June to beginning of August. **Supervisory/Managerial Responsibilities:** Not Applicable **Education and Experience Required:** + Currently pursuing a Bachelor's or Master's degree + Minimum Cumulative GPA of 3.0 + Work visa sponsorship not offered for this role **Education and Experience Preferred:** + Strong written and verbal communication skills + Proficiency in pertinent software, particularly spreadsheet software + Proven analytical skills + Proven critical thinking skills + Strong organizational skills + Detail-oriented M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $18.00 - $28.00 per hour. The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above encompasses all geographic locations. The pay rate specific to your location will fall within this range and is available from your recruiter. **Location** Albany, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Pay Range: $166,136.00 - $221,507.00The Associate General Counsel serves as a senior legal advisor supporting enterprise-wide initiatives with a focus on strategic legal matters including Third-Party Risk Management (TPRM), Information Technology (IT), Cybersecurity, and Mergers & Acquisitions (M&A). This role is critical to ensuring legal and regulatory compliance, mitigating risk, and enabling innovation across the institution's operations. The successful candidate will provide sophisticated legal counsel on vendor relationships, emerging technologies, corporate transactions, and information security matters, while partnering closely with executive leadership and cross-functional teams. This position offers high visibility, strategic influence, and the opportunity to contribute meaningfully to the institution's legal, operational, and risk management frameworks. Education and Experience: Juris Doctor (JD) from an accredited law school. Active license to practice law in at least one U.S. jurisdiction; ability to obtain in-house counsel registration if required. Minimum of 7 years of legal experience, preferably within a large financial institution, major law firm, or regulatory agency. Demonstrated expertise in contract negotiation, technology law, and cybersecurity legal frameworks. Experience advising public companies and managing external counsel preferred. Skills and Abilities: Deep understanding of financial services regulations and technology-related legal issues. Strong business acumen and ability to balance legal risk with strategic objectives. Exceptional communication, negotiation, and interpersonal skills. Proven ability to work independently and collaboratively in a fast-paced, evolving environment. Results-oriented, proactive, and capable of engaging with stakeholders at all levels of the organization. Tasks Performed: Third-Party Risk Management (TPRM) - 25% Lead legal review and negotiation of high-value and complex third-party service provider agreements, including confidentiality and data protection provisions. Collaborate with TPRM teams to ensure contracts align with enterprise risk policies and regulatory expectations. Maintain contract screening and review templates to ensure consistency with regulatory standards. Information Technology (IT) - 20% Advise on legal and regulatory implications of technology initiatives, including cloud services, digital transformation, and artificial intelligence. Provide guidance on compliance with applicable laws and regulations (e.g., GLBA, FFIEC). Support procurement and implementation of enterprise technology solutions. Cybersecurity & Information Security - 20% Serve as legal counsel to Cybersecurity and InfoSec teams, including breach notification and regulatory reporting. Participate in the institution's Incident Response Team and advise on legal aspects of cyber risk management. Monitor evolving cybersecurity regulations and industry standards to ensure proactive compliance. General Legal Support - 15% Provide legal advice across business units on matters involving vendor relationships, litigation, and regulatory inquiries. Manage relationships with external counsel and oversee litigation and alternative dispute resolution strategy. Identify emerging legal risks and contribute to enterprise risk assessments and mitigation strategies. Mergers & Acquisitions (M&A) - 10% Provide legal support for corporate transactions, including due diligence, structuring, negotiation, and integration. Collaborate with internal stakeholders and external counsel to assess legal risks and ensure compliance with regulatory requirements. Draft and review transaction documents. Other Duties as Assigned - 5% Perform additional legal tasks and special projects as directed by the General Counsel or executive leadership. Physical Requirements: Ability to communicate effectively with internal and external stakeholders. Primarily sedentary role with occasional need to move objects up to 10 lbs. Hybrid work environment with flexibility for remote and in-office collaboration. Why Work at NBT At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community - because your success drives our success. Wellbeing At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. Community Involvement NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. Culture NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. Career Development Whether you're just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. Total Rewards NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives - ensuring you feel valued every step of the way. Business Stability NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. Benefits for Full-Time Employees: Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. Parental Leave: Six weeks of paid leave at 100% of your salary. Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. Dental and Vision Coverage: Ensuring your overall health and well-being. Flexible Spending Accounts: For healthcare and dependent care expenses. Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage. Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage. Voluntary Benefits: Including hospital, accident, and critical illness coverage. Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future. Adoption Assistance: Supporting your growing family. Tuition Reimbursement: Invest in your education and career growth. Employee Assistance Program (EAP): Access to support and resources. Financial and Banking Services: Various benefits and financial planning assistance. Benefits for Part-Time Employees Working 20+ Hours/Week: Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. Generous Parental Leave: Six weeks of paid leave at 100% of your salary. Benefits for All Part-Time Employees: Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future Paid Sick and Safe Leave: For your health and safety. Employee Assistance Program (EAP): Access to support and resources. Financial and Banking Services: Various benefits and financial planning assistance. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.

Controller, Real Estate Funds (Vice President) At BNY, our culture allows us to run our company better and enables employees' growth and success. As a leading global financial services company at the heart of the global financial system, we influence nearly 20% of the world's investible assets. Every day, our teams harness cutting-edge AI and breakthrough technologies to collaborate with clients, driving transformative solutions that redefine industries and uplift communities worldwide. Recognized as a top destination for innovators and champions of inclusion, BNY is where bold ideas meet advanced technology and exceptional talent. Together, we power the future of finance - and this is what #LifeAtBNY is all about. Join us and be part of something extraordinary. We're seeking a future team member for the role of Controller to join our alternative operations team. This role is located in New York or Los Angelos, CA (4days in the office per week). In this role, you'll make an impact in the following ways: * Direct multiple Fund Accounting teams responsible for conducting accounting services on behalf of a broad array of assigned clients including determining net asset values, calculating fund performance, allocating expenses, and preparing reports. * Manage financial and human resources for the unit, ensuring assigned teams operate effectively to meet unit goals and objectives. * Oversee processes and resource allocation in determining the net asset value (NAV) for assigned funds in multiple sectors for each measurement cycle. * Manage relationships with a broad set of clients, resolving unique escalated issues related to fund calculations and accounting. * Direct and prioritize processes that verify completeness and accuracy of disclosure in financial statements. * Provide guidance to teams to ensure accounting records comply with departmental policies and procedures, resolving complex escalated issues. * Evaluate GAAP and/or IFRS rules to determine the impact of new regulations on BNY Mellon fund accounting practices and develop strategies for implementation. * Implement and assist in setting guidelines, policies, and priorities for drafting financial reports for clients to review fund performance, communicating complex accounting intricacies. * Recruit, direct, motivate, and develop staff to maximize individual contributions, professional growth, and effective teamwork. * Oversee relationships with auditors and clients to update financial reports ensuring accurate depiction of fund performance. * Manage multiple Fund/Client Accounting teams primarily through subordinate managers and contribute to achieving multiple team objectives. To be successful in this role, we're seeking the following: * • Bachelor's degree in accounting or the equivalent combination of education and experience * Minimum 10 years of of commercial real estate fund accounting and financial statement preparation/review leadership experience * Knowledge of GAAP, Investment Company, IFRS, and SEC rules applicable to commercial real estate investment funds * Ability to effectively lead collaborative teams, where team members may be located in different cities or countries * Working knowledge of joint venture waterfalls and partnership structures, including investor allocation * REIT experience * Yardi/Investran/WDesk experience preferred At BNY, our culture speaks for itself, check out the latest BNY news at: BNY Newsroom BNY LinkedIn Here's a few of our recent awards: * America's Most Innovative Companies, Fortune, 2025 * World's Most Admired Companies, Fortune 2025 * "Most Just Companies", Just Capital and CNBC, 2025 Our Benefits and Rewards: BNY offers highly competitive compensation, benefits, and wellbeing programs rooted in a strong culture of excellence and our pay-for-performance philosophy. We provide access to flexible global resources and tools for your life's journey. Focus on your health, foster your personal resilience, and reach your financial goals as a valued member of our team, along with generous paid leaves, including paid volunteer time, that can support you and your family through moments that matter. BNY is an Equal Employment Opportunity/Affirmative Action Employer - Underrepresented racial and ethnic groups/Females/Individuals with Disabilities/Protected Veterans. BNY assesses market data to ensure a competitive compensation package for our employees. The base salary for this position is expected to be between $102,000 and $190,000 per year at the commencement of employment. However, base salary if hired will be determined on an individualized basis, including as to experience and market location, and is only part of the BNY total compensation package, which, depending on the position, may also include commission earnings, discretionary bonuses, short and long-term incentive packages, and Company-sponsored benefit programs. This position is at-will and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation) at any time, including for reasons related to individual performance, change in geographic location, Company or individual department/team performance, and market factors. Same Posting Description for Internal and External Candidates

Responsible for driving the growth of our company by originating residential mortgage (to include emphasis on the Affordable Housing products/programs) and home equity applications according to established policies, procedures and applicable legal and regulatory guidelines. Responsible for developing and executing business plans tailored to meet and exceed sales goals and objectives. Maintains a network of outside referral sources in assigned territories. Acts as the primary contact for a designated group of non-profit housing partners that manage grant programs and educational seminars for eligible home buyers; coordinates product education and training sessions as appropriate. Works with existing and prospective customers to explain a variety of mortgage products and services available; makes recommendations based on customer needs. Coordinates the flow of documentation form application to closing while also collaborating with all parties involved in the transaction. Refers other NBT Bank products and services as appropriate. Education and Experience: * Associate degree in business or related discipline and two (2) years' experience or equivalent combination of education and experience. * Two (2) or years in Residential Lending experience preferred. * 1 or more years' experience working with non-profit housing partners and Federal/State grant programs preferred. Skills and Abilities: * Complete understanding of Mortgage Banking loan policy, products, and procedures. * Complete understanding of CRA & Banking Regulations. * Working knowledge of workflow application, disclosures, closing and upload. * Strong analytical and organizational skills. * Strong written and oral communication skills. * Excellent customer service skills. * Knowledge of current compliance and regulatory guidelines with an approved NMLS number. * Knowledge of Mortgage Banking underwriting application systems such as MortgageBot and Mortgage Builder. Unique Job Characteristics and Requirements: Business Travel required as needed between Bank Office and all designated non-profit housing agencies, realtors, etc., as well as various bank branches and regional business partner meetings, Conferences, Professional Organizations, and role related Training. NMLS Certification required or ability to obtain upon hire. Tasks Performed: * 45% Establishes relationships and maintains active business development calls with all non-profit housing partners in a designated territory. Maintains an active database of the various grant program options available through these partners and trains the other Loan Originators in the designated territory on the programs. * 25% Originates residential mortgage loans, to include emphasis on the Affordable Housing products, according to established policies, procedures, and regulatory guidelines, within their home base market. Explains a variety of mortgage products and associated closing costs, negotiates loan terms, and conditions, and finalizes sales. Maintains primary customer and non-profit housing partner responsibility from application thru to loan closing. * 20% Assists Bank CRA Officer, Residential Mortgage Banking Manager, and Sales Manager in the development, implementation, and reporting of CRA-related loan tracking, loan programs and all CRA-related business development activities, including recommendations for additional loan programs and special financing offerings. * 5% Assists with coordination and compilation of Residential Mortgage Lending for Mock CRA Exam for submission to the Executive Management Team to monitor and gage progress meeting Lending Test minimums in all state Assessment Areas, including recommendations for additional loan programs and special financing offerings. * 5% Other duties as assigned. Physical Requirements: * Communicate effectively with internal and/or external customers. * Stationary 50% of time * Move about within or between locations. * Bend, Twist, Crouch, Squat * Move Objects to Maximum 10 lbs. Why Work at NBT At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community - because your success drives our success. Wellbeing At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. Community Involvement NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. Culture NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. Career Development Whether you're just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. Total Rewards NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives - ensuring you feel valued every step of the way. Business Stability NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. Benefits for Full-Time Employees: * Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. * Parental Leave: Six weeks of paid leave at 100% of your salary. * Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. * Dental and Vision Coverage: Ensuring your overall health and well-being. * Flexible Spending Accounts: For healthcare and dependent care expenses. * Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage. * Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage. * Voluntary Benefits: Including hospital, accident, and critical illness coverage. * Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future. * Adoption Assistance: Supporting your growing family. * Tuition Reimbursement: Invest in your education and career growth. * Employee Assistance Program (EAP): Access to support and resources. * Financial and Banking Services: Various benefits and financial planning assistance. Benefits for Part-Time Employees Working 20+ Hours/Week: * Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. * Generous Parental Leave: Six weeks of paid leave at 100% of your salary. Benefits for All Part-Time Employees: * Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future * Paid Sick and Safe Leave: For your health and safety. * Employee Assistance Program (EAP): Access to support and resources. * Financial and Banking Services: Various benefits and financial planning assistance. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor assume sponsorship of an employment Visa at this time.

As a Float Teller, you will specialize in our branch customer experience through digital engagement, lobby management, transactional processing and retail servicing interactions. Processes a variety of financial transactions in an accurate and efficient manner. Float tellers will frequently travel to different branches within a designated area to assist branch staff as needed. Primary Responsibilities: Adhere to the established customer service standards and provide a differentiated experience by understanding customer needs and delivering solutions in moments that matter most to them. Educate our customers through shoulder-to-shoulder digital demonstrations; identify self-service opportunities that meet the customer's identified needs. Actively engage in lobby management, meeting and greeting customers and proactively inquiring and taking ownership to address the customer's immediate need. Accurately balance and process customer transactions efficiently following Bank Policy. Take ownership of escalated account services issues until resolution; complete and accurately log all customer complaints in the appropriate system. Transition identified sales opportunity and provide introduction to appropriate banking partner. Complete branch-related operational activities as appropriate (e.g cash ordering, vault, ATM, and wire transfer activities). Process customer/account maintenance accurately. Complete Consumer AML (Anti-Money Laundering)/BSA (Bank Secrecy Act)/ KYC (Know Your Customer related activities. 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. Scope of Responsibilities: The position is responsible for providing exceptional service to branch customers and resolving routine customer problems in a timely manner. 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. 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 position to stay current on operational changes and demonstrate good risk management decisions to assist the branch in managing preventable losses and reducing fraudulent activity. Managerial/Supervisory Responsibilities: Not Applicable Education and Experience Required: High school diploma or equivalent (GED) and minimum of 6 months customer service experience, including data entry and/or cash handling experience Ability to easily travel between branches on an as needed basis Proven verbal communication skills Proven interpersonal skills Proven ability to demonstrated exceptional customer service Well-organized Proven time management skills Proven prioritization skills Proficient with internet user-level technology Education and Experience Preferred: Bilingual 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 - 30 lbs. Ability to read fine print Ability to interact with customers in an open face to face work environment M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $18.00 - $26.21 (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationColonie, New York, United States of America

Pay Range: $78,160.00 - $104,221.00 The Quantitative Risk Intelligence Analyst will provide specialized analytical support to the Risk Management Division. Their efforts to develop, implement, monitor, and document various quantitative analyses will support the growth of the ERM, Data Governance, and Model Risk programs while providing credible challenge to the Bank's accelerated data-driven undertakings in other divisions. Their data and communication skills will provide connective tissue between disparate topics and skillsets. Education and Experience: * Bachelor's degree in a quantitative field (statistics, mathematics, finance, etc.) with 3+ years of experience with data/risk intelligence OR advanced degree in a quantitative field with 1+ years of experience with data/risk intelligence * Banking industry experience preferred Skills and Abilities: * Required skills include 1) Proficiency in building data visualizations and dashboards using business intelligence (BI) tools 2) Ability to apply quantitative rigor to areas lacking structured analysis 3) Strong foundation in statistics and mathematics 4) Excellent problem-solving skills and analytical thinking 5) Capacity to distill complex concepts into clear, concise insights tailored to diverse stakeholder audiences 6) High attention to detail and commitment to accuracy 7) Strong written communication skills, especially when conveying technical information 8) Comfort working in environments with limited structure, process, or established procedures. * Other desirable skills include 1) Familiarity with risk philosophy and principles 2) Understanding of modeling theory and its practical applications 3) Experience with databases and quality assurance testing using SQL or similar database language 4) Ability to prioritize tasks and deal efficiently with competing deadlines Tasks Performed: * 60%: Maintain, develop, and enhance the quantitative components of the risk management framework. This includes data reporting, visualization, and optimization; applying analytics to bring objectivity to subjective processes; and supporting data governance and data quality initiatives. * 15%: Provide quantitative support and thought leadership for the model risk program. Responsibilities include conducting non-validation quality assurance activities, performing risk assessments, and strengthening the overall framework. * 15%: Contribute to the development and execution of enterprise-wide and line-of-business stress testing by analyzing macroeconomic trends, performing sensitivity analyses, aggregating results, and translating complex data into actionable insights through clear visualizations and presentations. * 10% completing other tasks as needed Physical Requirements: * Communicate effectively with internal and/or external customers * Stationary 75% of time or greater * Move Objects to Maximum 10 lbs Why Work at NBT At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community - because your success drives our success. Wellbeing At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. Community Involvement NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. Culture NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. Career Development Whether you're just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. Total Rewards NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives - ensuring you feel valued every step of the way. Business Stability NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. Benefits for Full-Time Employees: * Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. * Parental Leave: Six weeks of paid leave at 100% of your salary. * Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. * Dental and Vision Coverage: Ensuring your overall health and well-being. * Flexible Spending Accounts: For healthcare and dependent care expenses. * Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage. * Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage. * Voluntary Benefits: Including hospital, accident, and critical illness coverage. * Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future. * Adoption Assistance: Supporting your growing family. * Tuition Reimbursement: Invest in your education and career growth. * Employee Assistance Program (EAP): Access to support and resources. * Financial and Banking Services: Various benefits and financial planning assistance. Benefits for Part-Time Employees Working 20+ Hours/Week: * Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. * Generous Parental Leave: Six weeks of paid leave at 100% of your salary. Benefits for All Part-Time Employees: * Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future * Paid Sick and Safe Leave: For your health and safety. * Employee Assistance Program (EAP): Access to support and resources. * Financial and Banking Services: Various benefits and financial planning assistance. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.

This job includes a base rate plus commissions. Total Potential Annual Earnings: $60,000 - $350,000 Focused in the P&C space, the Market leaders are responsible for maintaining and growing internal relationships with all regional banking divisions within their assigned community bank region. Market leaders are responsible for regional NBTI communication with our bank partners around prospects, customers, and sponsored community events. Primary production responsibilities will be focused on the Commercial Bank through coordinated cross selling initiatives with the Regional President and the Middle Market Relationship Managers. Market leaders are also responsible for developing and closing new business opportunities with non-banking customers within their assigned region or across regions as a SME. Market Leaders are expected to grow their book of business year over year to meet regional and personal production goals. Education and Experience: * Bachelor's Degree or equivalent education and experience (required) * 5+ Years of Successful Insurance sales experience (preferred) * Property & Casualty Broker's license and/or Life, Accident, and Health license or ability to obtain within 3 months of hire Skills and Abilities: * Advanced working knowledge of middle market insurance products and risk management solutions * Proven relationship building skills to support business development efforts (internal, external, COI) * Proven sales acumen (source, develop strategy, present, and close middle market business accounts) * Ability to work with Regional Bank President, regional banking teams, and insurance teams to achieve mutual business development and retention goals * Requires strong planning, organizational, problem solving and time management skills with the flexibility to adjust to changing priorities. * Must be self-directed and be able to accomplish work with limited supervision and general work direction. * Proficient with Microsoft Word, Excel, PowerPoint and Agency Management software solutions Unique Job Characteristics and Requirements: * Valid Driver License required Tasks Performed: * 40% Achieve individual revenue growth goals by prospecting, developing and closing middle market new business opportunities * 30% Achieve individual customer retention targets through the successful delivery of risk management advisory services, account cross selling, and general customer service. * 15% Work closely with regional banking partners to achieve mutual business development goals. * 10% Work with Regional President directly to coordinate mutual business development goals and participation in regional sponsored events * 5% All others as assigned. Physical Requirements: * Communicate effectively with internal and/or external customers * Stationary 50% of time * Move about within or between locations * Bend, Twist, Crouch, Squat * Move Objects to Maximum 10 lbs Why Work at NBT At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community - because your success drives our success. Wellbeing At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. Community Involvement NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. Culture NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. Career Development Whether you're just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. Total Rewards NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives - ensuring you feel valued every step of the way. Business Stability NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. Benefits for Full-Time Employees: * Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. * Parental Leave: Six weeks of paid leave at 100% of your salary. * Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. * Dental and Vision Coverage: Ensuring your overall health and well-being. * Flexible Spending Accounts: For healthcare and dependent care expenses. * Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage. * Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage. * Voluntary Benefits: Including hospital, accident, and critical illness coverage. * Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future. * Adoption Assistance: Supporting your growing family. * Tuition Reimbursement: Invest in your education and career growth. * Employee Assistance Program (EAP): Access to support and resources. * Financial and Banking Services: Various benefits and financial planning assistance. Benefits for Part-Time Employees Working 20+ Hours/Week: * Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. * Generous Parental Leave: Six weeks of paid leave at 100% of your salary. Benefits for All Part-Time Employees: * Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future * Paid Sick and Safe Leave: For your health and safety. * Employee Assistance Program (EAP): Access to support and resources. * Financial and Banking Services: Various benefits and financial planning assistance. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor assume sponsorship of an employment Visa at this time.

Vice President, Tax Compliance Quality Assurance (TCQA) At BNY, our culture allows us to run our company better and enables employees' growth and success. As a leading global financial services company at the heart of the global financial system, we influence nearly 20% of the world's investible assets. Every day, our teams harness cutting-edge AI and breakthrough technologies to collaborate with clients, driving transformative solutions that redefine industries and uplift communities worldwide. Recognized as a top destination for innovators, BNY is where bold ideas meet advanced technology and exceptional talent. Together, we power the future of finance - and this is what #LifeAtBNY is all about. Join us and be part of something extraordinary. We're seeking a future team member for the role of Vice President, Tax Compliance Quality Assurance (TCQA) to join our Corporate Tax team. This role is in New York, NY or Pittsburgh, PA. In this role, you'll make an impact in the following ways: Product Strategy & Development * Lead product development for U.S. Tax Form W-8/W-9 Documentation systems, ensuring efficient and accurate validation processes. * Draft business requirements, functional documents, technical user stories, and user manuals. * Oversee User Acceptance Testing, defect management, and data review/clean-up exercises. * Provide training and onboarding support for stakeholders and new clients using tax documentation systems. * Monitor, analyze, and report on new tax developments, legislation, and guidance impacting product offerings. * Take ownership of business cases, identifying customer needs while ensuring risk appetite and control frameworks are satisfied. Technology & Process Improvement * Collaborate with technology teams to streamline tax validation and documentation processes. * Conduct independent reviews of business processes and data quality, proposing improvements. * Work closely with Product Development partners to ensure business requirements are understood and delivery plans are tracked. Project Management & Stakeholder Engagement * Lead periodic meetings with stakeholders, updating project decks with timelines, risks, issues, and metrics. * Collaborate with Corporate Tax, Tax Operations, Technology, Onboarding, and Relationship Management teams to address BAU challenges and future state processes. * Represent BNY in relevant tax industry working group meetings. Client Communication & Thought Leadership * Draft client communications to provide updates on tax law changes and U.S. tax processes. * Provide timely updates to business partners, including Risk and Compliance. Qualifications * Minimum 5 years' experience in financial services/tax product roles within complex, enterprise environments. * Deep expertise in U.S. tax operations, especially W8/W9 validation and 8966 account identification process. * Preferably qualified as a tax advisor or tax lawyer; CPA a plus. * Strong business acumen, analytical skills, and experience in tax product development lifecycle. * Familiarity with project management methodologies (including Agile). * Experience working with business and technology architecture. * Superior communication and presentation skills, able to articulate business and technical concepts to non-technical audiences. * Exceptionally organized, adept at managing multiple projects, and comfortable with corporate governance and reporting. * Ability to collaborate and communicate with all levels across multi-disciplined, global teams. At BNY, our culture speaks for itself, check out the latest BNY news at: BNY Newsroom BNY LinkedIn Here's a few of our recent awards: * America's Most Innovative Companies, Fortune, 2025 * World's Most Admired Companies, Fortune 2025 * "Most Just Companies", Just Capital and CNBC, 2025 Our Benefits and Rewards: BNY offers highly competitive compensation, benefits, and wellbeing programs rooted in a strong culture of excellence and our pay-for-performance philosophy. We provide access to flexible global resources and tools for your life's journey. Focus on your health, foster your personal resilience, and reach your financial goals as a valued member of our team, along with generous paid leaves, including paid volunteer time, that can support you and your family through moments that matter. BNY is an Equal Employment Opportunity/Affirmative Action Employer - Underrepresented racial and ethnic groups/Females/Individuals with Disabilities/Protected Veterans. BNY assesses market data to ensure a competitive compensation package for our employees. The base salary for this position is expected to be between $68,000 and $102,000 per year at the commencement of employment. However, base salary if hired will be determined on an individualized basis, including as to experience and market location, and is only part of the BNY total compensation package, which, depending on the position, may also include commission earnings, discretionary bonuses, short and long-term incentive packages, and Company-sponsored benefit programs. This position is at-will and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation) at any time, including for reasons related to individual performance, change in geographic location, Company or individual department/team performance, and market factors.

Primarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer's financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act. Primary Responsibilities: 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. Cultivates new mortgage business. Markets, services and promotes the bank's mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders, and developers. May be required to travel to and work at prospective customers' homes or business locations. Follows-up on potential customers via travel or telephone. Negotiates terms and conditions of loan 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. Independently monitors trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages. 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: The incumbent always works under limited supervision, sometimes away from the office. The position requires extensive external contacts (potential and existing customers, Realtors, etc.), as well as internal contacts (other Bank personnel) primarily on sales calls outside the office. Will interact with individuals and teams internally and within the community assigned, developing new relationships and maintaining existing relationships Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act. 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. Thorough knowledge of FHA/VA regulations, conventional loan requirements and real estate law. Education and Experience Preferred: Technical Skills General knowledge of personal computers and software programs utilized by Residential Mortgage Department Proven sales ability. Strong mathematical skills. Self-motivated, well-organized individual. Excellent verbal and written communication skills. Ability to interact with individuals at all income levels and peers in a professional manner. Demonstrated ability to work independently and to follow through on details to completion. Ability to work under critical time constraints. #LI-111 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. Compensation for this role is based on commission - a draw will be advanced. The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationNew York, New York, United States of America

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

Responsibilities include, but are not limited to: * Responsible for providing exceptional customer service in accordance with Valley's mission statement. Ability to engage customers with friendly and professional service. * Knowledge of all Bank products and services and ability to educate and demonstrate customers on such, as well as cross sell various products and services. * Ability to present a confident and professional demeanor to establish trust and gain knowledge from the customer. Analyze needs and recommend appropriate products and services. * Meets with customers to analyze financial needs and maximize sales opportunities. Offers all bank products and assists with other service needs, opens new accounts, i.e., checking, savings, certificate of deposit and IRAs, discusses/sells loan products to existing and prospective customers and possesses knowledge of on-line banking and mobile banking abilities to promote and demonstrate to customers. * Responsible for meeting customer expectations and achieving service quality standards. Participates/oversees the sales referral process ensuring customer financial needs are met and assists management in coaching and mentoring branch staff members. * Ability to perform all transactions required by a customer and use appropriate technology to provide services most effectively and efficiently. Maintain and balance a cash box. Ability to utilize technology such as Teller Scanning Equipment, Cash Recycling and Cash Dispensing machines and support customers in the use of Coin Machines. * Act as Vault Teller ensuring adequacy of Branch cash for daily transactions by assisting the branch staff in ordering and shipping currency - coin and controlling - distributing cash to Tellers in prescribed limits. * Assists in community events (i.e., Habitat for Humanity) etc. Participates in and supports CRA initiatives, activities and programs. * Report all significant matters, issues and unusual customer activity to Manager maintaining personal knowledge of compliance and regulatory requirements. * Maintains knowledge and compliance with the Bank's Code of Conduct and all policies and procedures. Required Skills: * Excellent verbal and written communication. Ability to write correspondence and appropriately and accurately demonstrate products and services to customers. * Excellent interpersonal - customer service skills, attentiveness, information retention, tact and diplomacy in dealing with both customers and employees. * Strong analytical, problem solving, and decision-making skills to effectively uncover and resolve complex customer issues. * Ability to make sound decisions which include making on-the-spot decisions regarding customer transactions; weighing customer satisfaction issues with the Bank exposure to loss or fraud and the ability to think through and rationalize decisions. * Ability to interpret a variety of instructions furnished in written, oral, diagram or scheduled form. * Provides deep understanding of Retail Banking and strong Customer Service Skills with the ability to engage customers in conversation regarding products and services. * Detail oriented, strong organizational skills, and high degree of accuracy. * Ability to manage multiple projects simultaneously. * Proficient computer skills. Required Experience: * High School diploma or GED and minimum 1 year of business services experience in branch banking and knowledge of branch operations or successful completion of a Valley Retail training program. * Associates or Bachelor's degree with concentration in accounting, business, finance, economics or a related field is preferred. Preferred Experience: * FIS/IBS (Integrated Banking Solutions).

At BNY, our culture allows us to run our company better and enables employees' growth and success. As a leading global financial services company at the heart of the global financial system, we influence nearly 20% of the world's investible assets. Every day, our teams harness cutting-edge AI and breakthrough technologies to collaborate with clients, driving transformative solutions that redefine industries and uplift communities worldwide. Recognized as a top destination for innovators and champions of inclusion, BNY is where bold ideas meet advanced technology and exceptional talent. Together, we power the future of finance - and this is what #LifeAtBNY is all about. Join us and be part of something extraordinary. We're seeking a future team member for the role of Product Design Leader to join our Global Payments & Trade team. This role is located in New York, NY or Pittsburgh, PA In this role, you'll make an impact in the following ways: We are seeking a Product Design Lead with experience working with, defining, and designing complex systems to bring creativity, strategic insight, and user-centered thinking to our team. This role requires a highly skilled designer who excels in collaboration, design execution, and the ability to drive impactful user experiences. This Product Design Lead will lead the strategy and design of one of our most critical financial products. The ideal candidate will bring the following expertise: * User-Centered Design - Lead with a user-first approach, ensuring all design choices address user needs, behaviors, and insights from research. Drive a seamless and intuitive product experience by deeply understanding our users. * Journey Mapping - Map and analyze end-to-end user journeys across customers, operations, servicing teams and systems to identify pain points, key moments, and opportunities for improvement. Use journey maps to align teams on a shared vision of user needs, ensuring a cohesive and supportive experience at each stage. * Interaction and UI Design - Demonstrates mastery in designing complex web interfaces and workflows, creating products that are both highly functional and visually engaging. Skilled in developing intuitive layouts, navigation patterns, and interaction models for intricate systems. Thoughtfully uses animation and micro-interactions to guide users, making complex tasks more approachable and enhancing the overall product experience. * Cross-Functional Collaboration - Work closely with product managers, engineers, and stakeholders to align design efforts with business goals, transforming complex requirements into clear, functional design solutions that respect technical constraints. * Proficiency in Design Tools - Possess advanced skills in tools such as Figma and Miro, to create high-fidelity wireframes, prototypes, and mockups that clearly communicate interaction models and UI specifications. * Design System Knowledge - Experience with and contribute to a global design system that ensures visual consistency across interfaces. Develop workflow patterns and components that can then be reused by other teams. * Complex Systems Knowledge - Bring an understanding of the unique challenges of designing and maintaining complex systems, with an ability to distill intricate requirements into clear design solutions that facilitate user understanding and interaction. * Effective Communication and Storytelling - Articulate design concepts and rationale to diverse stakeholders, making complex ideas accessible. Use storytelling to engage others in the product vision, fostering alignment and enthusiasm. * Mentorship and Leadership - Skilled in guiding junior designers, providing constructive feedback, and elevating team standards. Fosters a culture of continuous learning, innovation, and collaboration within the team. A portfolio is required to be considered for this position This portfolio should demonstrate some or most of the expertise described above and should be enough of a visual indicator that you're qualified for the role. A portfolio could include a Figma link that's open to view access. Typically a candidate at this level has 10-12 years of experience and previous experience in regulated spaces like finance, health or insurance. At BNY, our culture speaks for itself, check out the latest BNY news at: BNY Newsroom BNY LinkedIn Here's a few of our recent awards: * America's Most Innovative Companies, Fortune, 2025 * World's Most Admired Companies, Fortune 2025 * "Most Just Companies", Just Capital and CNBC, 2025 Our Benefits and Rewards: BNY offers highly competitive compensation, benefits, and wellbeing programs rooted in a strong culture of excellence and our pay-for-performance philosophy. We provide access to flexible global resources and tools for your life's journey. Focus on your health, foster your personal resilience, and reach your financial goals as a valued member of our team, along with generous paid leaves, including paid volunteer time, that can support you and your family through moments that matter. BNY is an Equal Employment Opportunity/Affirmative Action Employer - Underrepresented racial and ethnic groups/Females/Individuals with Disabilities/Protected Veterans. This position is at-will and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation) at any time, including for reasons related to individual performance, change in geographic location, Company or individual department/team performance, and market factors. BNY assesses market data to ensure a competitive compensation package for our employees. The base salary for this position is expected to be between $135,000 and $246,000 per year at the commencement of employment. However, base salary if hired will be determined on an individualized basis, including as to experience and market location, and is only part of the BNY total compensation package, which, depending on the position, may also include commission earnings, discretionary bonuses, short and long-term incentive packages, and Company-sponsored benefit programs. This position is at-will and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation) at any time, including for reasons related to individual performance, change in geographic location, Company or individual department/team performance, and market factors.

The Managing Director - Warehouse Lending for CSG - Corporate Mortgage Finance Group, will be an integral component to the building out of the Corporate Mortgage Finance Group vertical for Huntington Bank and will serve as a point person in determining the customer's needs, meeting them through the seamless delivery of the bank's products, services and associated resources. You will manage an assigned team of Relationship Manager/Bankers as direct reports; personally originate, service and maintain an assigned Commercial Loan Portfolio within the Corporate Mortgage Finance Group; work collaboratively with the group's Banker/RMs, Portfolio Managers and other internal colleagues to support current and prospective client relationship growth. This position reports to the Head of CMFG, or another senior leader determined by the Head of the group. In this role, you will be performing the following responsibilities: Manage a team that includes assigned Relationship Managers and Producing Bankers that deliver on team and personal growth strategies to attract and retain an increasing number of clients for Corporate Mortgage Finance and across the bank. Develop and implement senior management approved team strategy to meet assigned goals, mitigate and maintain risk oversight of the group's credit relationships; operate at a level of proficiency to become a critical member of the management team of the CMF group. Ensure all team members, relationships and transactions in your assigned portfolio are in strategic alignment with the risk profile and credit policies of the Bank, including all front-end guidance and senior management directives. Initiate and deepen client relationships by leveraging capabilities in other areas of the bank (e.g., CSG, commercial banking, capital markets), thereby gaining market share and developing new areas of opportunity across the bank's footprint. Monitor and provide needed analysis, action plans and successful implementation of new and existing credit portfolio to identify trends and opportunities, including but not limited to: Sourcing additional cross-sell and relationship deepening opportunities Stress Testing/Forecasting/Concentration Analysis Macroeconomic and industry evaluations Conduct portfolio reviews with portfolio management and senior management Manage special projects as assigned in coordination with senior management Maintain up-to-date knowledge of market/industry trends and keep management fully informed on all key factors of the bank, the portfolio, client relationships, market trends and the competitive environment. Credit Performance: Responsible for maintaining acceptable levels of credit quality of an assigned team's portfolio consistent with the Bank and CMFG credit policies, procedures, and guidelines. The Team Leader will ensure the following: Satisfactory loan review, audit and OCC review results of all assigned credit relationships. Immediate and concise communication of actual or potential counter-party performance, compliance or facility level credit or operational problems. Effective oversight and active surveillance of assigned facilities, potential or identified deteriorating credit risk profile situations, and actively remain engaged in working through any problem accounts, along with other internal and external parties at management's direction. Non-credit risk management and mitigation, including effective and proper collaboration with other internal team members involved with each specific client relationship Ensure the accurate Risk Grading accuracy of assigned portfolio, and provide timely recommendations of potential re-grades when appropriate. Team Development: Expected to lead, motivate, and manage the team members to higher levels of performance through proactive coaching, mentoring, feedback, and goal setting, including: Develop effective business development and staffing strategies. Hire qualified and competent team members. Proactively manage the performance of under-performing staff. Develop, communicate, and support personal and career development plans for entire staff. Provide performance objectives and feedback to team members on a consistent basis. Appropriately recognizing and rewarding behaviors and results that support the goals and objectives of the business unit and the bank. Properly rewarding team members financially through the approved incentive system, matching compensation with performance results. Build relationships with all LOB leadership to achieve client and organizational growth objectives. Champion the brand and be the voice of the customer. Serve as an advocate for the customer and team. In this role, as a CMF MD Warehouse Lending, you will be performing the following duties and responsibilities: Build relationships and deliver new business development results in the CMFG space. Originate and participate in the structure, underwrite, the closing processes for direct lend bilateral and/or syndicated, complex asset- backed credit facilities, including mortgage warehouse lines, mortgage servicing assets and other mortgage related asset-backed and SPE collateralized credit facilities. Be a key member of an assigned deal team with responsibility for the preparation and successful presentation of credit approval memorandums and recommendations in compliance with CMFG and bank requirements, acceptable to CMFG leadership and the appropriate level of first and second line credit administration. This includes new credit requests, modification requests, annual reviews, renewals, portfolio reviews and criticized asset reviews Review and negotiate loan documentation in consultation with legal counsel, the assigned RM/Banker, Underwriter/Portfolio Manager and CMFG leadership Manage a portfolio of commercial customers in partnership with the assigned UW/Portfolio Manager Manage risk on an ongoing basis by monitoring customer creditworthiness and facility covenant and compliance, adherence to loan terms and general business conditions, etc. Originate, analyze, structure and close profitable loan transactions. Maintain and confirm credit worthiness of customers. Gather, review and track appropriate documentation from applicants. Make appropriate decisions on matters within own authority levels, and appropriately escalate matters needing higher level involvement. Participate in the underwriting of loan requests for new and existing customers. Due diligence would include verifying financial information provided, analyzing financial statements, conducting credit checks and assuring loan meets all policy and regulatory requirements. Promote and cross-sell other bank products and services as appropriate to customer requirements. Keep management fully informed on all key factors of the bank, the portfolio, client relationships, and the competitive environment. Ensure timely and accurate upline communication and visibility of material market and current and prospective client related topics Promote the organization's values, encourage superior performance, and reward revenue growth and productivity through appropriate incentives. Basic Qualifications: Bachelor's Degree 7 or more years of mortgage related asset-backed lending experience. Preferred Qualifications: 10+ years' experience working directly as a Mortgage Finance Relationship Manager with deep subject matter expertise, prior Team Lead experience strongly preferred Proven ability to lead strategic client dialogue and business development efforts. Extensive network of relationships with middle market and large target market clients and potential new hires. Proven ability to generate revenue growth through new client acquisition and cross-selling other banking services, including capital markets, treasury management, wealth management Excellent communication, organization and project management skills and ability to articulate and demonstrate thoughtful rationale in design decisions Ability to analyze corporate financial statements, client business needs and make appropriate recommendations on credit structure and facility terms. Must have knowledge of the Capital Markets (Debt and Equity) and understand how to succeed in a multi-bank/syndicated credit facility environment. Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay) Yes Workplace Type: Office Our Approach to Office Workplace Type Certain positions outside our branch network may be eligible for a flexible work arrangement. We're combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team. Compensation Range: $125,000.00 - $255,000.00 Annual Salary The compensation range represents the low and high end of the base compensation range for this position. Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan. In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO). Huntington is an Equal Opportunity Employer. Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details. Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.

Pay Range: $17.50 - $19.62 The role of the Relationship Banking Associate is to deliver high quality customer service and responsiveness to ensure fulfillment and satisfaction of both internal and external customers. This individual will be responsible for the efficient and timely processing of routine transactions and other related services accurately in accordance with policy and procedures. This individual will be responsible for identifying and referring sales opportunities to the appropriate business partner or line of business that will help fulfill the customer's need(s). This interaction may be in person or over the telephone. The Relationship Banking Associate will provide support for basic consumer deposit account opening as required. Education and Experience: * High School Diploma or Equivalent * Minimum one year experience in related banking positions or equivalent sales/customer service experience Skills and Abilities: * Excellent listening & communication skills * Ability to approach, identify and have conversations with customers and identify needs and opportunities * Organizational, interpersonal and customer relations skills which also includes problem solving and decision-making skills * Ability to function in a fast paced, ever-changing environment * Ability to work well with people as a team * Proficient computer skills Tasks Performed: * 65% Processes routine transactions and associated general customer and account servicing duties with a high level of accuracy and efficiency including but not limited to routine and non-routine teller transactions in accordance with policy and procedures. Performs various administrative duties as assigned including maintaining records, preparing a variety of forms & reports and daily vault balancing. Engages in referral and relationship management in accordance with established objectives and goals. Provides support for new deposit account opening as required. Will adhere to security measures and controls to minimize any potential losses to the company. * 25% Identify customer opportunities through interactive and consultative conversations to assess and address the needs of the customer. Provides services to customers, including but not limited to basic deposit account opening and referring customers to the appropriate business partners when necessary. Conducts sales and service calls to existing and potential customers to ensure existing customer needs are met and to prospect new sales leads. Take ownership to resolve customer issues and complaints while delivering a high level of responsiveness. Ensure fulfillment and customer satisfaction through direct personal action and enlist additional support to handle the customer's need in a timely manner. * 5% Participates in community events that support efforts with the Community Reinvestment Act CRA. * 5% Performs other duties as assigned and required. Physical Requirements: * Communicate effectively with internal and/or external customers * Stationary 50% of time * Move about within or between locations * Bend, Twist, Crouch, Squat * Move Objects to Maximum 20 lbs Why Work at NBT At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community - because your success drives our success. Wellbeing At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. Community Involvement NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. Culture NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. Career Development Whether you're just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. Total Rewards NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives - ensuring you feel valued every step of the way. Business Stability NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. Benefits for Full-Time Employees: * Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. * Parental Leave: Six weeks of paid leave at 100% of your salary. * Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. * Dental and Vision Coverage: Ensuring your overall health and well-being. * Flexible Spending Accounts: For healthcare and dependent care expenses. * Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage. * Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage. * Voluntary Benefits: Including hospital, accident, and critical illness coverage. * Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future. * Adoption Assistance: Supporting your growing family. * Tuition Reimbursement: Invest in your education and career growth. * Employee Assistance Program (EAP): Access to support and resources. * Financial and Banking Services: Various benefits and financial planning assistance. Benefits for Part-Time Employees Working 20+ Hours/Week: * Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. * Generous Parental Leave: Six weeks of paid leave at 100% of your salary. Benefits for All Part-Time Employees: * Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future * Paid Sick and Safe Leave: For your health and safety. * Employee Assistance Program (EAP): Access to support and resources. * Financial and Banking Services: Various benefits and financial planning assistance. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.

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

Pay Range: $78,160.00 - $104,221.00 The Quantitative Risk Intelligence Analyst will provide specialized analytical support to the Risk Management Division. Their efforts to develop, implement, monitor, and document various quantitative analyses will support the growth of the ERM, Data Governance, and Model Risk programs while providing credible challenge to the Bank's accelerated data-driven undertakings in other divisions. Their data and communication skills will provide connective tissue between disparate topics and skillsets. Education and Experience: * Bachelor's degree in a quantitative field (statistics, mathematics, finance, etc.) with 3+ years of experience with data/risk intelligence OR advanced degree in a quantitative field with 1+ years of experience with data/risk intelligence * Banking industry experience preferred Skills and Abilities: * Required skills include 1) Proficiency in building data visualizations and dashboards using business intelligence (BI) tools 2) Ability to apply quantitative rigor to areas lacking structured analysis 3) Strong foundation in statistics and mathematics 4) Excellent problem-solving skills and analytical thinking 5) Capacity to distill complex concepts into clear, concise insights tailored to diverse stakeholder audiences 6) High attention to detail and commitment to accuracy 7) Strong written communication skills, especially when conveying technical information 8) Comfort working in environments with limited structure, process, or established procedures. * Other desirable skills include 1) Familiarity with risk philosophy and principles 2) Understanding of modeling theory and its practical applications 3) Experience with databases and quality assurance testing using SQL or similar database language 4) Ability to prioritize tasks and deal efficiently with competing deadlines Tasks Performed: * 60%: Maintain, develop, and enhance the quantitative components of the risk management framework. This includes data reporting, visualization, and optimization; applying analytics to bring objectivity to subjective processes; and supporting data governance and data quality initiatives. * 15%: Provide quantitative support and thought leadership for the model risk program. Responsibilities include conducting non-validation quality assurance activities, performing risk assessments, and strengthening the overall framework. * 15%: Contribute to the development and execution of enterprise-wide and line-of-business stress testing by analyzing macroeconomic trends, performing sensitivity analyses, aggregating results, and translating complex data into actionable insights through clear visualizations and presentations. * 10% completing other tasks as needed Physical Requirements: * Communicate effectively with internal and/or external customers * Stationary 75% of time or greater * Move Objects to Maximum 10 lbs Why Work at NBT At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community - because your success drives our success. Wellbeing At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. Community Involvement NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. Culture NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. Career Development Whether you're just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. Total Rewards NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives - ensuring you feel valued every step of the way. Business Stability NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. Benefits for Full-Time Employees: * Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. * Parental Leave: Six weeks of paid leave at 100% of your salary. * Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. * Dental and Vision Coverage: Ensuring your overall health and well-being. * Flexible Spending Accounts: For healthcare and dependent care expenses. * Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage. * Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage. * Voluntary Benefits: Including hospital, accident, and critical illness coverage. * Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future. * Adoption Assistance: Supporting your growing family. * Tuition Reimbursement: Invest in your education and career growth. * Employee Assistance Program (EAP): Access to support and resources. * Financial and Banking Services: Various benefits and financial planning assistance. Benefits for Part-Time Employees Working 20+ Hours/Week: * Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. * Generous Parental Leave: Six weeks of paid leave at 100% of your salary. Benefits for All Part-Time Employees: * Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future * Paid Sick and Safe Leave: For your health and safety. * Employee Assistance Program (EAP): Access to support and resources. * Financial and Banking Services: Various benefits and financial planning assistance. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.