Full-Time
Relationship Banker
Updated on 9/3/2026
M&T Bank
10,001+ employees
Full-service banking with mortgage, deposits, loans
Compensation Overview
$27.59 - $45.98/hr
Hampton Bays, NY, USA
In Person
Associate's
 Finance & Banking (1) |
|---|
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- A high school diploma or equivalent GED and a minimum of 3 years of proven retail sales, call center, customer service, or telesales experience, or a high school diploma or equivalent GED and a minimum of 2 years of proven proactive sales experience are required.
- Strong verbal communication and interpersonal skills are required.
- The ability to demonstrate exceptional customer service is required.
- Strong organization, time management, and prioritization skills are required.
- Demonstrated financial services product knowledge is required.
- The ability to communicate with tact and diplomacy with internal and external customers is required.
- Proficiency with internet user-level technology is required.
- The ability to stand for long periods of time is required.
- The role requires prolonged use of hands and fingers.
- The ability to lift objects weighing 5 to 30 pounds is required.
- The ability to read fine print is required.
- The ability to interact with customers in an open, face-to-face work environment is required.
- The ability to use fax, telephone systems, copiers, and other communication tools is required.
- Develop new customer relationships and expand and retain existing relationships by proactively identifying opportunities through portfolio management and the Bank's sales process to achieve personal sales and referral goals.
- Perform customer assessments, profile customers for sales opportunities, open accounts, and conduct lead-focused outbound calling.
- Execute the sales process, including profile and pre-call planning, outreach, appointment preparation, customer interaction, and follow-up.
- Apply risk management practices, including audit requirements, fraud prevention, Know Your Customer, and customer information profile controls.
- Follow up with clients based on needs identified during appointments or interactions to progress development plans.
- Develop knowledge of products and services offered by Business Banking.
- Evaluate financing requests, recommend loan structures, and submit complete loan application packages.
- Research and provide industry knowledge, including Vertical IQ information.
- Explain processes, services, and products, including interest expense, amortization schedules, consumer debt scenarios, Mortgage and home equity line of credit products, Business Banking products, Treasury Management, and Merchant Services products.
- Attend community networking events.
- Develop relationships with centers of influence for referral opportunities.
- Act as a liaison with business partners for retail product solutions and build relationships with non-branch business partners, including business bankers and mortgage loan originators.
- Perform basic sales duties.
- Solicit new business banking relationships through outbound prospecting calls when required and develop new banking relationships through a consultative sales approach in some branches.
- Adhere to compliance and operational risk controls in accordance with company and regulatory standards and policies.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Maintain internal control standards, including timely implementation of internal and external audit points and applicable issues raised by external regulators.
- Complete other related duties as assigned.
- Meet and maintain registration requirements under the Federal Secure and Fair Enforcement for Mortgage Licensing Act.
- Drive business growth through proactive identification of sales opportunities and portfolio management while supporting annual branch sales goals.
- Interact with appropriate areas of the bank to ensure customer needs and service issues are resolved timely, accurately, and completely.
- Stay current on operational, product, and system changes and enhancements, and make sound risk management decisions to help reduce preventable losses and fraudulent activity.
- Apply understanding of transactional, savings, retirement, and protection needs when serving complex business customers.
- An associate degree is preferred.
- A notary public license is preferred.
- A minimum of 3 years of financial services sales experience is preferred.
- Bilingual ability is preferred based on branch needs.
M&T Bank is a full-service financial institution that offers a wide range of banking solutions for individuals, small businesses, and larger enterprises. Its products include personal and business checking accounts, mortgage assistance programs, loans, deposits, investment products, and mobile banking. The bank serves mainly customers in the Northeastern and Mid-Atlantic United States and emphasizes community engagement and customer-focused service. It generates revenue from interest income, fees, and service charges tied to loans, deposits, and other financial products. The company’s recent merger with United Bank, N.A. expands its footprint and enhances its service offerings. The goal is to provide accessible financial services to communities while growing its market presence and deepening local connections.
Company Size
10,001+
Company Stage
IPO
Headquarters
Buffalo, New York
Founded
1993
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Simplify's Take
What believers are saying
- Q2 2026 revenue reached $2.52 billion, beating consensus and rising 4.9% year over year.
- Q2 2026 net income hit $818 million, while net charge-offs declined to $80 million.
- A July 2026 app update added smoother navigation, biometric login, and configurable alerts.
What critics are saying
- Commercial real estate grew $1.1 billion in Q2 2026, increasing credit-cycle exposure.
- CET1 fell to 10.19% after $1.25 billion buybacks and $465 million repurchases.
- Fintech lenders and digital-first banks pressure fee income, deposits, and branch economics by 2027.
What makes M&T Bank unique
- M&T pairs regional deposits with commercial lending across the Northeast and Mid-Atlantic.
- Its 2026 mobile app refresh strengthens sticky retail relationships and daily transaction usage.
- Decades of community banking and multilingual branch programs deepen local trust and cross-sell opportunities.
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Benefits
401(k) Company Match
401(k) Retirement Plan
Flexible Work Hours
Hybrid Work Options
Paid Vacation
Paid Holidays
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance
Health Savings Account/Flexible Spending Account
Growth & Insights and Company News
6 month growth
↑ 10%1 year growth
↑ 10%2 year growth
↑ 10%Regional banks delivered mixed second-quarter results, with revenues matching analyst expectations on average. M&T Bank reported revenues of $2.52 billion, up 4.9% year on year and exceeding consensus estimates by 1.9%. The bank also beat earnings per share projections and narrowly surpassed net interest income forecasts. Despite the strong quarter, M&T Bank's shares fell 1.3% following the announcement, trading at $238.67. The decline suggests investor expectations may have been higher than published Wall Street projections. Regional banks as a group have struggled, with share prices down an average of 1.5% since their latest earnings releases. These institutions face challenges including fintech competition, deposit outflows, credit deterioration, regulatory costs, and concerns about commercial real estate exposure following recent high-profile bank failures.
Charles River Associates has expanded its credit facility to $400 million through a six-bank lending syndicate. The five-year agreement includes a $75 million term loan and a $325 million revolving credit facility, replacing a previous $300 million facility set to mature in August 2027. The revolving facility can be reduced to $250 million between 16 July and 15 January each year when working-capital requirements are lower. CRA will use proceeds to repay outstanding borrowings, support working capital, fund growth investments, and cover general corporate purposes. The lending group includes Bank of America, Citizens Financial Group, Eastern Bank, and Beacon Bank & Trust, with BMO and M&T Bank joining as new lenders. The expanded facility provides additional liquidity as the consulting firm invests in its global economic, financial, and management advisory operations.
Merritt Properties has secured a $621 million refinancing loan for a portion of its 58-asset Maryland Industrial Portfolio.
M&T Bank Corporation recently completed a US$600 million callable preferred depositary share offering, sold in two tranches totaling 24,000,000 shares at US$25 each, with multiple major banks, including J.P. Morgan, BofA Securities and others, acting as co‑lead underwriters. Around the same time, M&T Bank reported higher second‑quarter 2026 net interest income of US$1,792 million and net income of US$818 million, while also reducing net charge‑offs to US$80 million and completing a US$465...
HEICO Corporation has closed a $1.2 billion senior notes offering, comprising $550 million in 4.950% notes due 2031 and $650 million in 5.400% notes due 2036. The aerospace and defence company will use the proceeds to pay down borrowings under its $2.2 billion revolving credit agreement, maintaining capacity for future acquisitions. Co-Chairmen Eric and Victor Mendelson said the notes received investment grade ratings, building on HEICO's inaugural issuance in 2023. Chief Financial Officer Carlos Macau noted the offering expands the company's capital sources and provides greater flexibility for continued growth. HEICO designs and produces products for aviation, defence, space, medical, telecommunications and electronics industries through its Flight Support Group and Electronic Technologies Group.