Senior Relationship Manager- Affordable Housing Lending at M&T Bank

Rockville, Maryland, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Commercial Real Estate, Affordable HousingIndustries

Requirements

Strong understanding of affordable housing financing and related banking products
Experience in originating and structuring balance sheet transactions
Ability to negotiate and secure transactions aligned with the Bank’s risk appetite
Excellent client relationship management skills
Ability to cross-sell financial solutions and bank products
Strong analytical and due diligence skills (Sponsor financials, project budgets, proformas)
Knowledge of real estate underwriting and closing processes
Understanding of M&T Bank’s risk and regulatory standards
Ability to identify and escalate risk-related issues
Commitment to promoting diversity and reflecting the M&T Bank brand

Responsibilities

Own all aspects of executing balance sheet products
Originate affordable housing balance sheet capital transactions with existing and new clients
Negotiate, secure, and structure transactions to align with the Bank’s risk appetite
Cross-sell all aspects of financial solutions and bank products to clients
Work with a team to obtain and analyze due diligence items
Coordinate underwriting and closing processes with clients, internal partners, counsel, etc
Partner effectively with Credit Officers, UW Teams, and PMs in connection with credit decisioning and risk mitigation
Maintain relationships with high-profile clients and prospects in the affordable housing industry
Ensure products and services are delivered with a high level of customer service
Prioritize M&T CRA needs
Act as a trusted advisor to clients and prospects
Participate in Industry conferences, meetings, and serve on affordable housing-related boards and committees
Understand and adhere to the Company’s risk and regulatory standards
Complete other related duties as assigned

Skills

Key technologies and capabilities for this role

Affordable Housing FinancingBalance Sheet TransactionsClient Relationship ManagementDue DiligenceReal Estate UnderwritingCredit AnalysisNegotiationCross-SellingRisk ManagementRegulatory Compliance

Questions & Answers

Common questions about this position

What is the salary for this Senior Relationship Manager position?

This information is not specified in the job description.

Is this role remote or does it require office work?

This information is not specified in the job description.

What key skills are required for this role?

Required skills include strong understanding of affordable housing financing, experience in originating and structuring balance sheet transactions, excellent client relationship management, strong analytical and due diligence skills, and knowledge of real estate underwriting.

What is the work environment or team structure like?

The role involves working with a team to obtain and analyze due diligence, partnering with Credit Officers, UW Teams, and PMs, and requires the ability to work independently.

What makes a strong candidate for this position?

Strong candidates demonstrate experience in originating affordable housing transactions, excellent client relationship skills, ability to negotiate deals aligned with bank risk standards, and commitment to diversity and the M&T Bank brand.

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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