M&T Bank

M&T Equipment Finance Relationship Manager

United States

Not SpecifiedCompensation
Junior (1 to 2 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial Services, Banking, Equipment FinancingIndustries

Requirements

Candidates should possess a Bachelor’s degree and a minimum of 7 years of relevant work experience, or alternatively, a combined minimum of 11 years of higher education and/or work experience, including at least 7 years of relevant experience. Prior credit underwriting experience is preferred, along with strong verbal and written communication skills, strong organizational skills, and strong analytical skills.

Responsibilities

The Relationship Manager will manage existing MTEFC business relationships, communicating with customers to fulfill their financing needs and solicit new financing opportunities through bid letters and job awards. They will assess customer financial conditions and collateral to provide appropriate financing solutions, provide industry and customer intelligence to senior management, assist with sales training, and represent the organization in the marketplace while adhering to risk and regulatory standards and completing related duties as assigned.

Skills

Customer Relationship Management
Financial Analysis
Industry Knowledge
Equipment Financing
Sales and Business Development
Risk Management
Regulatory Compliance
Communication
Market Representation

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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