Senior Commercial Relationship Manager - Franchise Banking

M&T Bank

About The Position

Overview: Be a trusted advisor to some of the most prominent businesses in the country. In this role, you’ll manage and grow a portfolio of high-value, complex commercial loan relationships while uncovering new opportunities to deepen client partnerships. You’ll blend financial expertise, strategic thinking, and relationship savvy to drive sustainable growth for both our clients and the Bank. Primary Responsibilities: Serve as the primary relationship lead for large-dollar, highly complex commercial loan clients, delivering customized financial solutions that meet evolving business needs. Proactively source new business opportunities while expanding existing relationships through strategic cross-selling of loan, deposit, and fee-based products. Conduct in-depth client interviews to understand business operations, financial requirements, and risk profiles; analyze credit information and present well-founded relationship and credit recommendations. Protect and grow portfolio profitability by maintaining superior asset quality—monitoring credit performance, ensuring covenant compliance, and maintaining accurate, complete credit documentation. Execute a disciplined, formal calling program designed to generate new loan revenue. Stay ahead of market trends, competitive activity, and economic developments to identify growth opportunities in both established and emerging markets. Act as a visible ambassador of the Bank through active participation in civic, professional, and community organizations. Scope of Responsibilities: Manage and retain a portfolio of large, sophisticated commercial relationships with a high degree of autonomy and accountability. Partner closely with internal teams—including Credit, Treasury Management, and Operations—to deliver seamless, high-touch client service and operational excellence. Education and Experience Required: Bachelors Degree or four years relevant experience. Minimum of seven years commercial portfolio management experience. Advanced financial analysis skills and strong command of commercial credit principles. Broad understanding of commercial banking products, including fee-based solutions. Exceptional communication and interpersonal skills, with the ability to engage effectively at all organizational levels. Proven ability to influence, sell, and build long-term client relationships. Strong presentation skills with the confidence to represent the Bank in both client and community settings. 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. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. Location Clanton, Alabama, United States of America Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values – integrity, ownership, collaboration, curiosity, and candor – drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members. View M&T’s Human Capital Report to learn more. Ready to join our team? Submit your application today! If you are unable to apply through this site due to technical issues or need an accommodation to apply, please contact us at [email protected] for assistance. M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace. Career Site Privacy Notice

Requirements

Bachelors Degree or four years relevant experience.
Minimum of seven years commercial portfolio management experience.
Advanced financial analysis skills and strong command of commercial credit principles.
Broad understanding of commercial banking products, including fee-based solutions.
Exceptional communication and interpersonal skills, with the ability to engage effectively at all organizational levels.
Proven ability to influence, sell, and build long-term client relationships.
Strong presentation skills with the confidence to represent the Bank in both client and community settings.

Responsibilities

Serve as the primary relationship lead for large-dollar, highly complex commercial loan clients, delivering customized financial solutions that meet evolving business needs.
Proactively source new business opportunities while expanding existing relationships through strategic cross-selling of loan, deposit, and fee-based products.
Conduct in-depth client interviews to understand business operations, financial requirements, and risk profiles; analyze credit information and present well-founded relationship and credit recommendations.
Protect and grow portfolio profitability by maintaining superior asset quality—monitoring credit performance, ensuring covenant compliance, and maintaining accurate, complete credit documentation.
Execute a disciplined, formal calling program designed to generate new loan revenue.
Stay ahead of market trends, competitive activity, and economic developments to identify growth opportunities in both established and emerging markets.
Act as a visible ambassador of the Bank through active participation in civic, professional, and community organizations.