Business Banking Virtual Relationship Manager - Altoona, PA

M&T Bank

2d•$85,800 - $143,000•Remote

About The Position

Responsible for an assigned portfolio of loan and deposit relationships with small business clients through virtual channels. The role solicits new business using digital resources and technologies, manages risk and credit decisions, and services existing clients in assigned geographies through the bank’s relationship management program. The position works with branch partners to sell to business customers and cross-sell other bank products. The role develops new banking relationships and services existing business banking clients through remote activities, working toward goals established by the manager. It oversees approximately 15 to 40 relationship-managed clients and collaborates with internal contacts and branch partners to service clients and maximize sales. The position also participates in business banking and retail sales initiatives, civic and cultural organizations, and programs, while complying with operational risk controls, internal control standards, and applicable regulatory requirements.

Requirements

Bachelor’s degree and two years of relevant sales or credit experience, or, in lieu of a degree, at least six years of higher education and/or relevant work experience.
Sound credit skills needed to evaluate loan requests.
Proficiency with virtual meeting platforms and related technology.
Ability to read and analyze financial statements and tax returns.
Strong interpersonal and presentation skills.

Nice To Haves

Good understanding of Cash Management, Merchant Service, and Trade Services products offered to Business Banking customers, and ability to identify sales opportunities for those products.
Knowledge of personal computers and software used by the department.

Responsibilities

Develop new banking relationships with business prospects and service existing business banking clients through remote activities; achieve goals established by the manager.
Work with branch partners to maximize sales to business customers and cross-sell the bank’s products and services.
Network with centers of influence, including accountants, attorneys, and other referral sources, to develop business.
Evaluate credit information and requests, recommend appropriate loan structures to manage risk, and negotiate with underwriters and clients to maximize revenue and minimize risk.
Oversee approximately 15 to 40 relationship-managed clients.
Participate in business banking and retail sales sprints; meet call targets and product sales goals, including cash management and Visa merchant products as assigned.
Participate in civic and cultural organizations and programs, and use prescribed selling techniques to maximize sales opportunities.
Follow applicable compliance and operational risk controls in accordance with company or regulatory standards and policies.
Promote an environment that supports belonging and reflects the M&T Bank brand.
Maintain M&T internal control standards, including timely implementation of internal and external audit points and applicable issues raised by external regulators.
Complete other related duties as assigned.
Sell effectively through multiple channels to prospects and clients, and manage and retain existing clients and portfolios.
Work closely with internal contacts to service clients.