M&T Bank

Digital Product Owner – Loan Agency

United States

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

Requirements

The candidate should have experience as a Product Owner, preferably within the loan agency domain, with a strong understanding of financial services and digital transformation. A proven ability to define product vision, manage roadmaps, and prioritize backlogs is essential. Experience with Loan IQ and ATDD is a plus, as is the ability to work effectively with business, technology, operations, risk, and compliance teams. Familiarity with risk and regulatory standards is also required.

Responsibilities

The Digital Product Owner will define and execute the product vision and roadmap for Loan Agency capabilities, including deal setup, trade processing, and lifecycle servicing. They will own and prioritize the product backlog, writing user stories and acceptance criteria. Responsibilities include driving the evolution of Loan IQ features, optimizing loan servicing operations, and enhancing client and operational reporting. The role involves acting as the voice of the client, collaborating with technology and operations, and ensuring adherence to risk and regulatory standards.

Skills

Product Vision
Product Strategy
Roadmap Development
OKRs
Feature Prioritization
Business Process Modeling
Workflow Modeling
Design Thinking
Analytics
Loan Lifecycle Servicing
Cash Flow Management
Reporting
Risk Management
Compliance

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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