Overview:

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. 
• Regularly works at a bank facility, but 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.

Location

Overview:

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. 
• Regularly works at a bank facility, but 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.

Location

This role offers a hybrid work schedule; offering the flexibility to work from home two days a week, while providing the opportunity for in-person collaboration.

This position is available in Buffalo, NY or Wilmington, DE

About the Team

Our team is on a mission of unleashing the power of data to support decision making. Our team builds enduring data products, provides platforms to access & derive insights from data, enables confidence in decision making with appropriate data governance, delivers actionable insights through use of data science and activates value for the business by innovatively solving problems with data. We operate with a sense of urgency, have a startup mentality, build data analytic products at scale, and innovate solutions on behalf of our user communities . We work hard but value the need for downtime to unplug and recharge. We embrace our differences and view them as a key driver of innovation. We are Data@M&T

Role Overview:

Leads the activities of two or more scrum teams enabling enterprise wide data modernization in partnership with CDO , Product Owners , Business and Technology teams . Responsible for setting the long and short-term strategic direction for the M&T tech data ecosystems. Serves as primary contact to the Technology leadership team , Sr Product Owners , CDO and business partners when it comes to transformational initiatives . Owns the budget of concurrent development streams. Assists in the development and career planning for all team members. The team will be executing in Scrum/Kanban fashion, and this role will be responsible for the assistance in prioritization for the team; be a partner to the various tech team as to the work coming in for data; participate in the data modernization initiatives ; be a representative of the Data work when it needs to be discussed at an architecture level.

Primary Responsibilities:

People Leadership

· Participating in our engineering culture, with an emphasis on contributing ideas, thoughts, and constructive feedback regarding the work of others on our team.

· Assisting with interviewing, onboarding, and training engineers as they join the team.

· Assisting leading a team of developers and engineers on their agile transformation journey including: performance management, Career planning, Technical implementation guidance on the stack that they develop on, Technical guidance around build/release automation & devops, Participate in code reviews

Technical Leadership

· Create high complexity detailed technical design, involved in detailed analysis, design, construction and testing thereby ensuring technical compatibility and integration.

· Recommend, design and code efficient and effective solutions for challenging problems for medium to large work efforts of medium to high complexity.

· Responsible for ensuring compliance  with ELT/ETL standards and guidelines related to the design, construction, testing, and deployment activities within the Delivery Management environments.

· Act as the single point of contact and set clear expectations with Data Tech teams and hold them responsible for the planning, completion and coordination of work activity for projects involving more than one developer

· Perform the role of Application Owner including tasks like

o Disaster recovery planning

o Vulnerability management

o Audit / compliance management

Functional (Domain) Leadership

· Perform complex analysis, and summarize to senior leaders in simple language

· Work with various stakeholders in developing high level functional specifications, and use a combination of technical and domain knowledge to propose solutions and product features

· Participate/Contribute in requirements and analysis discussion with stakeholders

Process Leadership

· Build out and streamline agile teams responsible for M&T’s data modernization initiatives .

· Enable self-service frameworks to ensure adoption of data products and features .

· Constantly look for opportunities to make the workflows and processes efficient – across business processes, software development processes, etc

Minimum Qualifications Required:

· Minimum of an Associate degree and with 9 years’ technology or systems management/leadership experience, or in lieu of a degree, a combined minimum of 11 years’ higher education and/or work experience, including a minimum of 9 years’ technology or systems management/leadership experience

Education

· Computer science, development and/or systems engineering background required

Required Technology skills

· In-Depth Knowledge of data architecture as well as modern data architecture as well as consumption solutions such as data mesh , data fabric , data lake or other Solutions

· Experience in cloud-data technologies, such as: Snowflake, Azure , Databricks etc.

· Experience in big-data technologies, such as: Hive, Impala, Kudu

· Experience or understanding of implementation patterns foir various ETL / ELT tools such as Informatica, Mattalion , Striim ,Databricks , DBT  (or equivalent) tools.

· Experience or have an understanding of working with multiple file structures – Mainframe, Flat files, Json, XML’s

·  Experience or have an understanding Programming skillsets in at least one of these languages: Java, Scala, Python

Preferred Technology skills

· Realtime processing like Spark streaming, Kafka

· Cloud computing (Azure, AWS)

· NOSQL Databases such as Mongo, Cassandra, HBase

· Cache software such as Gemfire, Ignite, Redis

· Reporting/Dashboard tools such as PowerBI, Tableau, Qlik

Preferred Other skills:

· Agile (such as JIRA), Source code repository (Git, Bitbucket, etc.) CI/CD tools (Jenkins, Teamcity, etc.),

· Data Modeling

· Data Quality management, and data governance

Preferred Functional skills

· Financial regulatory reporting.

· Knowledge of Banking products lifecycle: Checking, Mortgages, Loans, Treasury, Cash Management, etc.

COMPANY:

At M&T Tech, we’re a team of makers, doers, and builders, working to create the most advanced technology solutions in banking.  We’re not your stereotypical suit and tie bankers: We’re an innovative team of leading tech experts, pushing boundaries, and taking risks.  We’re building an agile team of the most skilled and creative, workers to solve complex problems, architecting solutions, writing high-performance software, and charting our new path, all to make the lives of our customers, and the communities that we serve, better.  Join us and be part of something new as we build tomorrow’s bank, today.

M&T Bank is a Top 20 US bank holding company and one of the best performing and financial stable regional banks in the country, we offer our technology employees a wide range of performance-based career development opportunities. We have a strong commitment to our customers and the communities we serve, and we continue to grow with a focus on the future. So, when looking to advance your career, look to M&T. Grow with us.

Hiring Immediately.

We support our team members with generous benefits.

·         Competitive compensation

·         Health, welfare, and retirement benefits

·         401(k) match at 5%

·         Work-life balance and flexible work arrangements

·         Start with 25 days PTO plus 12 paid holidays

#LI-KB1

Location:

Overview:

Identifies customers' needs through the bank’s retail sales process to provide proactive basic sales solutions through customer outreach for basic customer needs and/or refer complex customer needs to the appropriate team member/partner. Specializes in our branch customer experience through lobby management, servicing and sales interactions for retail and business customers.

Primary Responsibilities:

• Play key role in Relationship Management (customer assessments, profiling for sales opportunities, account opening and lead-focused outbound calling), Sales Process (profile/pre-call planning, outreach, appointment preparation, interaction/appointment, follow-up) and Risk Management (audit requirements, fraud prevention, Know Your Customer (KYC) and customer information profile (CIP)).
• Complete basic research on customer profiles in order to assess potential ways to add value to clients banking relationship and transition to needs to based discussion on financial goals
• Identify financial needs of customers and present all appropriate product and service options by working cooperatively with appropriate internal business partners.
• Proactively reach out to clients to via e-mail or phone to follow up and educate on value added products/services to address needs of clients
• Onboard new customers through customer outreach (regardless of available channel, and individual who opened account)
• Establish trust with existing clients through proactive outreach regularly
• Schedule preset appointments for the following week and hold appointments each week
• Adequately prepares for scheduled appointment before customer meeting (prepare for sales interactions with pre-call plan)
• Perform customer servicing interactions.
• 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.
• Complete other related duties as assigned.

Scope of Responsibilities:

The position is the focal point in the branch for sales, service and/or referral opportunities in support of overall branch goals and activity requirements. 

The position is key driver of customer flow in the branch to support these activities. 

The position services existing customers and grows the business through identifying sales opportunities with customers. 

The position must stay current on operational, product, and system changes/enhancements, as well as demonstrate good risk management decisions to assist the branch in managing preventable losses and reduce fraudulent activity.

Education and Experience Required:

High school diploma or equivalent (GED) and a minimum of 2 years proven retail sales, call center, customer service and/or telesales experience 

OR

A high school diploma or equivalent (GED) and a minimum of 1 year proven proactive sales experience.

Strong verbal communication and interpersonal skills

Proven ability to demonstrate exceptional customer service

Well-organized individual with time management and prioritization skills

Demonstrated financial services product knowledge

Ability to communicate with tact and diplomacy with internal and external customers

Proficient with internet user-level technology

Ability to fluently communicate both verbally and in writing with bank customers in both English and the specified second language. Proficiency to be determined via an online assessment.

Education and Experience Preferred:

Associates degree

Notary public license

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 heave objects weighing 5 lbs. to 30lbs

Ability to read fine print

Ability to interact with customers in an open face-to-face work environment

Ability to use fax, telephone system, copier and other communication tools

Location

** This is a hybrid position requiring in-office work three days every week will ideally be based in the Wilmington, DE office but it might be based in Buffalo, NY, depending upon the location of the final candidate.

Overview:

The Lead Auditor leads and executes audits across their assigned domain. The individual is also responsible for overseeing and executing annual risk assessments, continuous auditing and remediation plan validations.  They communicate audit progress and findings to Bank Management and oversee Auditors (as applicable) on the assigned audit activities.

Primary Responsibilities

• Leads and participates in audits from planning to reporting and produces quality deliverables in accordance with the Division’s methodology and professional standards while ensuring timely completion.
• Plans and executes other assurance activities and advisory services (including continuous auditing, product delivery assessments, validation procedures, investigations and retrospective reviews) utilizing modernized assurance methodologies, tools and approaches and in accordance with the Division’s methodology.
• Writes audit findings that clearly identify risk and root cause.  Communicates findings to Bank Management in a timely fashion.
• Partners with stakeholders, business management and Risk Management establishing strong working relationships while maintaining independence
• Embraces innovative change and helps the team adapt to change.
• Effectively incorporates data analytics and other automation techniques into all phases of audits and other activities.
• Maintains knowledge in the assigned subject matter discipline.
• Coaches, develops and oversees work of Auditors and new hires, including executing review and supervision
• Embraces and exemplifies the culture of diversity, inclusion, equity and belonging.
• Contributes to the achievement of division priorities.

Scope of Responsibilities

This individual leads and executes assurance activities and advisory services, maintains relationships and communicates with Bank Management, and oversees Auditors.  They ensure activities are in conformance with professional auditing standards.  They report to an Audit (Senior) Manager.

Education and Experience Required

• Bachelor’s Degree, preferably in Accounting, Business, Finance, Technology, Cybersecurity, Mathematics, Statistics or other related technical field and 5 years of relevant work experience, and 1 year of leadership experience. In lieu of a Bachelor's degree,  a combined minimum of 9 years higher education and/or work experience including 1 year of work leadership experience.
• Experience with internal audit methodology
• Five (5) years experience as an auditor, ideally as an internal auditor in banking/financial services or in public accounting.
• Experience leading audits.
• Solid understanding of internal control concepts with the ability to evaluate adequacy of the controls
• Strong leadership skills and ability to coach and develop others
• Proven analytical and critical thinking skills
• Excellent written and verbal communication skills with the ability to present sensitive and complex findings to business management and influence change
• Proven ability to handle multiple projects at the same time

Education and Experience Preferred

• Related certifications (CIA, CPA, CISA, CAMS, cloud certification, or similar)
• MBA or Master’s Degree in an appropriate field.
• Financial services industry experience.

Location