Commercial Leasing Sales Representative

M&T Bank•Bridgeport, CT

About The Position

Overview: Originates new equipment finance and loan business within MTCLC (M&T Capital Leasing Corporation) that adheres to internal credit standards. Structures, negotiates, and closes each transaction and builds and expands existing business relationships. Primary Responsibilities: Conduct a needs analysis of the customer via phone and/or in-person to identify the proper structure and product in originating new equipment finance and loan business for MTCLC to enhance overall profitability and minimize expenses. Identify and solicit new sources of business from current and prospective vendors and customers; represent the business in the marketplace to build a strong network to identify additional sales opportunities. Manage and own each transaction from identifying each prospect to funding, including providing credit the appropriate information for their decisioning, responding to questions from credit and the customer, and ensuring documentation is correct. Service and maintain existing sources of business to maintain and expand the customer relationship; assist in collection of payments as well as financial and other information on specific customers as needed. Work with departments throughout the organization to facilitate cross-sell of other Bank products to customers. Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management. 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 together with any issues raised by external regulators as applicable. Complete other related duties as assigned. Scope of Responsibilities: Supervisory/Managerial Responsibilities: Not Applicable

Requirements

Bachelor’s degree and a minimum of 5 years’ equipment financial and/or other relevant industry experience, or in lieu of a degree, a combined minimum of 9 years’ higher education and/or work experience, including a minimum of 5 years’ equipment finance and/or other relevant industry experience

Nice To Haves

Theoretical and practical expertise in tax, accounting, and legal issues to apply this expertise to structure appropriate and profitable financial solutions for clients
Strong analytical skills
Strong influencing skills
Strong negotiations skills
Proven persuasion skills
Strong verbal and written communication skills
Strong presentation skills
Strong public speaking skills

Responsibilities

Conduct a needs analysis of the customer via phone and/or in-person to identify the proper structure and product in originating new equipment finance and loan business for MTCLC to enhance overall profitability and minimize expenses.
Identify and solicit new sources of business from current and prospective vendors and customers; represent the business in the marketplace to build a strong network to identify additional sales opportunities.
Manage and own each transaction from identifying each prospect to funding, including providing credit the appropriate information for their decisioning, responding to questions from credit and the customer, and ensuring documentation is correct.
Service and maintain existing sources of business to maintain and expand the customer relationship; assist in collection of payments as well as financial and other information on specific customers as needed.
Work with departments throughout the organization to facilitate cross-sell of other Bank products to customers.
Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite.
Identify risk-related issues needing escalation to management.
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 together with any issues raised by external regulators as applicable.
Complete other related duties as assigned.