Senior Relationship Manager - Dealer Commercial Services

M&T Bank • Lincoln, RI

395d • $127,274 - $212,124

About The Position

The Senior Relationship Manager - Dealer Commercial Services at M&T Bank is responsible for developing and managing a portfolio of auto, boat, and RV dealers with complex lending and financial needs. This role focuses on establishing and strengthening relationships with major dealership groups while promoting financial products and services to enhance their profitability while minimizing risk to the bank. The position requires adherence to pricing and credit policies while soliciting new business and servicing existing accounts.

Requirements

• Bachelor's Degree and minimum of 7 years Dealer Commercial Services and/or Commercial Lending experience, or a combined minimum of 11 years higher education and/or work experience including a minimum of 7 years Dealer Commercial Services and/or Commercial Lending experience.
• Strong credit analysis and commercial lending skills.
• Strong knowledge of financial statements, tax returns, and credit reports.
• Excellent presentation, negotiation, organizational, written and verbal communication skills.
• Demonstrated leadership skills in prior roles.

Nice To Haves

• Master's degree.
• Superior relationship management, sales, and business development skills.
• Thorough knowledge of bank/PC software programs utilized by the department.
• Self-motivated and well-organized individual.
• Ability to work under critical time constraints.

Responsibilities

• Service customers seeking loan and/or deposit relationships with the Bank, interviewing applicants to develop information concerning their businesses and requirements, evaluating credit information and making relationship recommendations.
• Participate and assess the effectiveness of formal call programs targeting new loan and deposit business.
• Evaluate requests for dealer commercial services, commercial real estate, and commercial loan financing for auto, boat, and RV dealers, as well as loan requests for dealer principals and partners.
• Analyze each applicant's financial condition, cash flow, and credit history to make appropriate loan decisions within lending guidelines.
• Approve loans up to maximum lending authority; prepare and present loan requests to senior credit officers and credit committees when appropriate.
• Keep abreast of the industry, follow market trends and developments, and develop/implement strategies to increase the Bank's business in various markets.
• Establish and maintain contacts in the professional services community and within industry organizations.
• Work with Sales Managers and Credit Managers to gather information and receive recommendations on potential customers.
• Maximize the Department's profitability through the maintenance of a high-quality loan portfolio and monitor customer deposit accounts.
• Provide guidance and technical knowledge to less experienced dealer commercial services relationship managers.
• Promote an environment that supports diversity and reflects the M&T Bank brand.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points.

Benefits

• Competitive salary based on knowledge, skills, and experience.
• Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree