Commercial Relationship Manager at M&T Bank

Boston, Massachusetts, United States

Apply Now

Not SpecifiedCompensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Bachelor's Degree or four years relevant experience
Five to seven years credit experience, sales preferred
Financial analysis and knowledge of credit principles
Excellent communication and interpersonal skills with the ability to interact with all levels of personnel using diplomacy
Ability to sell effectively to prospects and clients
Excellent presentation skills
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

Responsibilities

Services customers seeking loan and/or deposit relationships with the Bank
Interviews applicants to develop information concerning their businesses and requirements
Evaluates credit information and makes relationship recommendations
Maximizes the Department's profitability through the maintenance of a high quality loan portfolio
Follows current loans to ensure conformity with terms; maintains current and complete credit file
Participates in a formal call program to develop new loan, deposit and fee based business
Follows market trends and developments to increase the Bank's business in established and developing markets
Represents the Bank in civic and community activities
Works closely with internal contacts to service clients
Manage and retain existing clients
Complete other related duties as assigned

Skills

credit analysis

financial analysis

loan servicing

sales

customer relationship management

credit principles

communication

interpersonal skills

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.

Land your dream remote job 3x faster with AI

Try Jobo Free