M&T Bank

Dealer Commercial Services - Senior Relationship Manager (North/South Carolina)

United States

Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Banking, Financial ServicesIndustries

Requirements

Candidates should possess a Bachelor's degree and have at least 7 years of experience in commercial lending or a related field, with a strong understanding of auto, boat, and RV financing. They must have proven experience in managing a portfolio of dealer relationships and demonstrating a deep knowledge of credit analysis, risk management, and financial products. Strong communication and interpersonal skills are essential, along with the ability to build and maintain relationships with complex clients.

Responsibilities

The Senior Relationship Manager will be responsible for developing and managing a portfolio of auto, boat, and RV dealers, establishing and strengthening relationships with these clients while promoting M&T Bank's financial products and services. They will also evaluate loan requests, analyze financial conditions, make loan decisions within lending guidelines, approve loans up to established authority, and present loan requests to senior credit officers. Additionally, the role involves monitoring customer accounts, conducting audits, ensuring compliance, keeping abreast of industry trends, and collaborating with Sales and Credit Managers to structure and price credits, ultimately maximizing the department’s profitability and maintaining M&T’s internal control standards.

Skills

Credit Analysis
Relationship Management
Loan Evaluation
Financial Analysis
Industry Knowledge (Auto, Boat, RV Dealers)
Market Trend Analysis
Customer Service
Business Development

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.

Key Metrics

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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