at M & T Bank in Wilmington, Delaware, United States
Provide customer support by servicing the needs of existing and prospective customers, ensuring efficient delivery of superior customer service. Assist with the administration of Commercial products and services and with the resolution of operational problems. May be asked to support the loan closing process. This position serves as the first line of defense, adhering to the necessary controls, to mitigate unnecessary exposure to risk. May serve in a temporary leadership capacity.
+ Act as the liaison between the customer and the Relationship Manager, responding to questions and resolving problems by coordinating with internal partners. Deliver high quality service, while ensuring accuracy and timeliness of delivery. Assists more junior staff members with resolving escalated problem situations, exception requests, deviations from day-to-day business processes. Involve Commercial Operations Manager when needed in absence of Supervisor.
+ Assist commercial customers with deposit and loan servicing needs. Process requests for research, corrections, loan payments, loan advances, book transfers, collateral releases, wire transfers and credit inquiries.
+ Assist the KYC Officer and Relationship Manager with the BSA/AML/KYC process, adhering to procedures, regulatory requirements, and deadlines. Requests may also be received from CDD. Validate the KYC status of the customer along with entity documents to ensure customers are in good standing/registered properly. Appropriate documentation must be collected per requirements for specific customer entity structures; customer signatures must match legal documentation. Leverages appropriate websites to perform validation and confirm due diligence requirements. May be asked by Supervisor to oversee this process.
+ May be asked to lend support with due diligence requests (ordering appraisals, environmentals, and flood certifications).
+ Maintain commercial customer records, both paper and electronic versions, including but not limited to maintenance of up-to-date information/knowledge regarding accounts, products/services, financial relationships, previous problems, etc.
+ Monitor bank reports for discrepancies and take appropriate action based on the nature of the issue. Seek guidance from Commercial Support Team Supervisor when appropriate. Some reports being monitored include: portfolio delinquencies, past dues, exception pricing, overdrafts, KYC, STOC, KRI, account servicing, and other reports when necessary.
+ Communicate and partner effectively with other departments in the Bank and work as a team player to establish exemplary partnerships with all co-workers and create a positive team environment.
+ Research and resolve overdrafts with customer, seeking overdraft approval from bank employees with the appropriate level of lending authority when necessary.
+ Support the financial statement collection process.
+ Perform data entry into bank systems when necessary, ensuring data integrity and accuracy. Complete ERM profile setup requests.
+ Actively participates on departmental projects and committees as needed.
+ May assist or fill in for Commercial Support Team Supervisor during vacation or leave of absence. Assists more junior staff members with resolving escalated problem situations, exception requests, deviations from day-to-day business processes. Involve Commercial Operations Manager when needed in absence of Supervisor.
+ Serve as a mentor for newly hired regional team members. Assist and provide back up to other regional team members when necessary to perform transactions and fulfill requests.
+ Attend regularly scheduled departmental training calls to maintain current knowledge of procedures, regulatory updates, and Commercial Products. Assist other staff members with understanding what has been communicated.
+ Report customer complaints to the Office of Customer Advocacy when appropriate.
+ Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite.
+ 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.
+ Other duties as assigned
Education and Experience Required:
Associate’s degree and a minimum of 2 year customer service experience in Banking Operations, Retail or Credit, OR in lieu of a degree, a combined minimum of 4 years higher education and/or work experience including 2 year customer service experience in Banking Operations, Retail or Credit. Proficiency with personal computers as well as pertinent software packages.
Education and Experience Preferred:
Knowledge of applicable products, systems and workflows.
Excellent attention to detail.
Excellent verbal and written communication skills.
Ability to work individually as well as a member of a team.
Self-motivated, well-organized individual.
Ability to work under time constraints and handle multiple tasks in support of various assignments.
Ability to function professionally at many different levels (clients, management, and peers).
Strong interpersonal skills necessary for business partner relationships within and outside organization.
Solid knowledge of unit/department policies and procedures.
Wilmington, Delaware, United States of America
At M&T Bank, we make a difference in people’s lives . For more than 160 years, we’ve been providing our customers with guidance and financial solutions, leading our communities through challenges and growth opportunities, and empowering our employees to build purpose-driven careers.
Our talent and culture set us apart. Our core values drive the work we do – integrity, ownership, collaboration, curiosity, candor. We seek to further build upon our record of success by bringing in diverse talents and fresh skill sets while supporting the growth and development of all team members. At M&T, we are a talent and people driven organization. Take a peek inside M&T’s Human Capital Report (https://www3.mtb.com/homepage/careers/why-work-at-m-and-t) to learn how it feels to be one of our 17,000+ employees.
We are constantly renewing. Our future success relies on our ability to understand what’s important to our customers and use that understanding to build new and innovative customer experiences.
We support our employees every step of the way.
+ Competitive compensation
+ Full medical & dental benefits, Heath Savings & Flexible Spending Accounts, and life/disability insurance
+ Generous paid time off (PTO) plus 11 paid holidays and an option to buy additional PTO
+ 401(k) match at 5% with options for Roth and discretionary employer contributions
+ A deep commitment to equity, including 14 resource group charters, a D&I sponsorship program, 40 annual paid volunteer hours and more
+ Various options for tuition assistance, paid parental leave, stock purchase, wellness and employee discounts
We need you. Are you ready to join us? Apply today to start the journey.
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M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.
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