Senior Commercial Real Estate Relationship Manager at M&T Bank

Wilmington, Delaware, United States

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$136,000 – $226,600Compensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Commercial Real EstateIndustries

Requirements

Bachelor's degree or equivalent in work experience
Seven (7) to ten (10) years commercial real estate lending experience
Working knowledge of personal computers and software utilized by department
Excellent written and verbal communication skills with an orientation toward customer service
Ability to interact with all levels of personnel
Credit analysis skills

Responsibilities

Originate, underwrite, negotiate, close, and service commercial real estate loans of large dollar amount and high complexity
Provide a high level of customer service to an existing customer base, attending to the needs of commercial finance clients seeking loans
Prospect, underwrite, and originate new loans
Participate in the management of the existing portfolio based on departmental objectives
Restructure adversely-graded loans and foreclose problem loans, performing activities designed to preserve the loan principal, gather interest as possible, and prevent the loan from being charged-off
Call on potential and existing customers to develop new business and increase existing business
Perform special projects such as recruiting, due diligence, and acquired portfolio absorption
Maintain extensive contact with customers, extending credit and providing Bank services
Communicate with attorneys to coordinate closing, service existing credits, and work out problem loans

Skills

commercial real estate lending

loan origination

underwriting

credit analysis

portfolio management

loan restructuring

customer service

negotiation

foreclosure

due diligence

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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