The Opportunity: As a Business Banking Relationship Manager you will expand M&T Bank's commercial and business banking reach in the Harrisburg, PA market. Using an assigned portfolio of loan and 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 through the bank's relationship management program.
Primary Responsibilities: Develop new banking relationships with business prospects and service existing business banking client base to achieve established goals. 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:
Bachelor's degree or in lieu of a degree, 4 or more years of relevant work experience
Minimum of three 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: MBA
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
We encourage candidates with relevant military experience to apply
At M&T, we strive to be the best place our employees ever work, the best bank our customers ever do business with and the best investment our shareholders ever make. So when looking to advance your career, look to M&T. As a top 20 US bank holding company and one of the best performing regional banks in the country, we offer a wide range of performance based career development opportunities for talented professionals. And through our longstanding tradition of careful, conservative and consistent management and a strong commitment to the communities we serve, we continue to grow with a focus on the future.