Together, M&T Bank and Wilmington Trust, a part of M&T Bank Corporation, represent one of the country's leading depository and lending franchises, a premier wealth advisory firm, and the partner of choice for corporate transactions and structures. As one of strongest, most successful companies in the U.S financial services industry, M&T continues to grow, offering value to our shareholders and opportunity to qualified professionals. Join our team of over 15,000 professionals and you'll understand what drives our longstanding success: a promise of exceptional client service, a commitment to our communities, a focus on building long-term relationships, and a dedication to being the best employer you'll ever have.
The Opportunity: As a Senior Business Banking Relationship Manager you will expand M&T Bank's commercial and business banking reach in the given market. Using an assigned portfolio of the most complex and/or large-dollar amount loan and/or deposit relationships with small business clients that operate within the community, you will generate new business, manage risk and credit decisions, and service existing clients.
In this senior role, your wealth of industry and community knowledge gained through prior work experience and through strategically chosen partnerships (which may include service on local boards and in high-profile events and opportunities) will be a key to your success.
Primary Responsibilities: Develop new banking relationships with business prospects and service existing business banking client base to achieve established goals. Manage the segment's more complicated and important loan relationships. Utilize prescribed selling techniques to maximize sales opportunities.
Work with branch partners to maximize sales efforts to business customers and cross sell other products and services that the bank offers. Achieve call targets and other product sales goals such cash management, Visa merchant, and others as assigned.
Network with centers of influence including accountants, attorneys and other referral sources to develop business. Participate in civic and cultural organizations and programs.
Evaluate credit information and requests and recommend appropriate loan structure to manage risk. Effectively negotiate with underwriters and clients to maximize revenue and minimize risk.
Actively participate in all business banking and retail sales sprints.
Work closely with internal contacts to service clients.
Minimum Qualifications Required:
Bachelors degree or in lieu of a Bachelors degree, a minimum of 4 additional years of relevant work experience
Five or more years of sales and/or commercial credit experience
Ability to sell effectively to prospects and clients
Ability to read and analyze financial statements and tax returns
Sound credit skills necessary to evaluate loan requests
Working knowledge of personal computers to include MS Word, Excel and PowerPoint
Strong interpersonal and presentation skills
Understanding of Cash Management, Merchant Service, Trade Services products offered to Business Banking customers and ability to identify sales opportunities for those product sets
Ideal Qualifications Preferred: Bachelor's degree level of education or higher
Working knowledge of software utilized by the department
Current experience in a similar role with a large financial institution
Current experience in the position's geographic region
M&T is among the top 20 U.S.-based commercial bank holding companies with more than $79 billion in assets and more than 780 branches in New York, Maryland, Pennsylvania, Virginia, Delaware, New Jersey, West Virginia, Florida and Washington D.C. With more than 150 years of experience, M&T Bank is committed to be the best company our employees ever work for, the best bank customers ever do business with and the best investment our shareholders ever make.