Commercial Senior Relationship Manager at M&T Bank

Baltimore, Maryland, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Bachelor's Degree or four years relevant experience
Minimum of seven years commercial portfolio management experience
Financial analysis and knowledge of banking credit principles
General knowledge of banking and the Bank’s various commercial fee-based products
Applied knowledge of Bank policies and procedures
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

Responsibilities

Services customers seeking loan and/or deposit relationships of large dollar amounts and of high complexity 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 and 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
Manages and retains existing clients and works closely with internal contacts to service clients
May coach/mentor junior relationship managers

Skills

Key technologies and capabilities for this role

Portfolio ManagementFinancial AnalysisCredit AnalysisRelationship ManagementCommercial LendingSalesPresentation SkillsCommunication SkillsInterpersonal SkillsBanking Products

Questions & Answers

Common questions about this position

What is the salary range for the Commercial Senior Relationship Manager position?

The pay range for this position is $127,274.43 - $212,124.05 Annual (USD), with the successful candidate’s particular combination of knowledge, skills, and experience informing their specific compensation.

Is this position remote or does it require working in an office?

This information is not specified in the job description.

What skills and experience are required for this role?

A Bachelor's Degree or four years relevant experience and minimum of seven years commercial portfolio management experience are required. Candidates need financial analysis and knowledge of banking credit principles, general knowledge of banking and commercial fee-based products, applied knowledge of Bank policies, excellent communication and interpersonal skills, ability to sell effectively, and excellent presentation skills.

Does this role involve any supervisory responsibilities?

The role may involve coaching or mentoring junior relationship managers.

What makes a strong candidate for this position?

Strong candidates will have a Bachelor's Degree or equivalent experience plus at least seven years in commercial portfolio management, expertise in financial analysis and banking credit principles, sales ability, and excellent communication and presentation 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.

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