Senior Commercial Relationship Manager- Middle Market at M&T Bank

Richmond, Virginia, United States

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$115,704 – $192,840Compensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Bachelors Degree or four years relevant experience
Minimum of seven years commercial portfolio management experience
Financial analysis and knowledge of banking credit principals
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
Manage and retain existing clients
Works closely with internal contacts to service clients
May coach/mentor junior relationship managers
Follows current loans to ensure conformity with terms; 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

Skills

Commercial Portfolio Management

Financial Analysis

Credit Analysis

Banking Products

Relationship Management

Sales

Presentation Skills

Communication Skills

Interpersonal 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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