M&T Bank

Business Banking Relationship Manager

United States

Not SpecifiedCompensation
Mid-level (3 to 4 years), Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Banking, Financial ServicesIndustries

Requirements

A Bachelor's degree or a minimum of 4 years of related sales/banking experience is required. Candidates must possess knowledge of personal computers and departmental software, the ability to read and analyze financial statements and tax returns, and sound credit skills for evaluating loan requests. A good understanding of Cash Management, Merchant Service, and Trade Services products is necessary, along with strong interpersonal and presentation skills. Familiarity with the Stowe and Central Vermont Area is preferred, as are strong organization skills, a formal sales process, credit analysis abilities, and a good understanding of C&I borrowers with revenues up to $20MM.

Responsibilities

The Business Banking Relationship Manager is responsible for managing an assigned portfolio of loan and deposit relationships with small business clients. This includes soliciting new business, managing risk and credit decisions, and servicing existing clients. The role involves working with branch partners to sell and cross-sell bank products and services, networking with centers of influence, and evaluating credit information to recommend appropriate loan structures. Key responsibilities also include achieving sales goals for revenue, loan production, and deposit balance production, managing a loan portfolio, overseeing client relationships, participating in sales sprints and achieving call targets, and engaging in civic and cultural organizations. Quarterly in-market visits to clients, prospects, and partners within the assigned network are also required.

Skills

Relationship Management
Sales
Credit Analysis
Loan Origination
Deposit Gathering
Business Development
Client Servicing
Risk Management
Financial Analysis
Networking
Cross-selling
C&I Lending

M&T Bank

Full-service banking for individuals and businesses

About M&T Bank

M&T Bank provides a variety of banking services to individuals, small businesses, and larger companies. Their offerings include mortgage assistance, personal and business checking accounts, and mobile banking options. The bank primarily operates in the Northeastern and Mid-Atlantic regions of the United States, emphasizing community engagement and a focus on customer service. M&T Bank's business model is based on traditional banking practices, such as loans, deposits, and investment products, and it generates revenue through interest income and service fees. A key aspect that sets M&T Bank apart from its competitors is its commitment to community involvement, which includes allowing employees to volunteer and supporting local organizations. The recent merger with United Bank, N.A. has further expanded their services and market presence.

Buffalo, New YorkHeadquarters
1993Year Founded
IPOCompany Stage
Financial ServicesIndustries
10,001+Employees

Risks

Competition from fintechs could erode M&T Bank's market share among tech-savvy customers.
Integration challenges from the United Bank merger may disrupt operations.
Decreased prime rate could reduce interest income, impacting profitability.

Differentiation

M&T Bank emphasizes community engagement through its charitable foundation and volunteer programs.
The bank offers a wide range of traditional and digital banking services.
Recent merger with United Bank, N.A. expands M&T's market reach and service offerings.

Upsides

M&T Bank's $1.5 billion senior notes offering strengthens its financial position.
Decreased prime rate may attract more borrowers, increasing loan volume.
Shannon Lazare's appointment as New Jersey Regional President enhances local community engagement.

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