Commercial Senior Relationship Manager

M&T Bank; Lancaster (Lancaster County); On-site; USD 123,600 - 206,000; Full time

Job summary

M&T Bank is seeking a seasoned Relationship Manager to manage a portfolio of middle-market commercial clients, handling lending, deposits, and treasury needs ranging from mid-market revenues. You will interview applicants, assess needs, and recommend suitable credit and relationship strategies.

The role emphasizes profitability, credit quality, and cross-functional collaboration to expand high-value business in both established and developing markets.

Qualifications

• Bachelors degree or four years relevant experience.
• Seven years of commercial portfolio management experience.
• Financial analysis and knowledge of banking credit principals.
• Knowledge of banking products and related services.
• Familiarity with Bank policies and procedures.
• Strong communication and interpersonal skills with diplomacy.
• Ability to sell to prospects and clients and strong presentation skills.

Responsibilities

• Service customers seeking large, high-complexity loan and deposit relationships; interview applicants and evaluate requirements.
• Maximize profitability while maintaining a high-quality loan portfolio; ensure credit quality and risk management.
• Participate in a formal call program to develop new loan, deposit, and fee-based business.
• Monitor market trends to grow business in established and new markets.
• Represent the Bank in civic and community activities.

Skills

Credit analysis

Relationship management

Interpersonal communication

Sales ability

Presentation skills

Education

Bachelor's Degree

Experience equivalent to 4 years

Tools

Banking knowledge

Job description

Overview

Responsible for an assigned portfolio of lending, deposit, and treasury needs for Middle Market Commercial clients, with typical annual revenues ranging from $50MM to $1.5Bn. Solicits new business, cross sells, administers and services existing business relationships.

Primary Responsibilities

• Services customers seeking loan and/or deposit relationships of large dollar amounts and of high complexity with the Bank, interviews applicants to develop information concerning their businesses and requirements, evaluates credit information and makes relationship recommendations.
• Maximizes the Department’s profitability through the maintenance of a high quality loan portfolio while working with various departments to ensure credit quality and risk management.
• 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.

Scope of 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.

Supervisory / Managerial Responsibilities

May coach/mentor junior relationship managers.

Education and Experience Required

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.

Pay

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $123,600.00 - $206,000.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Lancaster, Pennsylvania, United States of America