Senior Relationship Manager, Dealer Commercial Services

🔥 1 minute ago

🐊 Florida – Remote

🐊 Florida – Remote

💵 $123.6k - $206k / year

⏰ Full Time

🟠 Senior

💰 Account Manager

👻 Ghost score 0%

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M&T Bank

WebsiteLinkedInAll Job Openings

10,000+ employees

Founded 1856

🛡️ Insurance

💼 Consulting

🏦 Banking

Insurance • Consulting • Banking

M&T Bank is a leading regional financial institution that provides a wide range of banking services to personal, business, and commercial clients. Known for its customer satisfaction in mobile banking, M&T Bank offers products and services such as checking accounts, credit cards, mortgages, personal loans, and insurance. Additionally, it provides financial planning through Wilmington Advisors @ M&T. The bank is committed to community engagement, supporting local businesses, multicultural banking, and volunteerism. With a focus on cybersecurity and digital banking solutions, M&T Bank serves its clientele through comprehensive online and mobile services.

📋 Description

• Develop and manage a portfolio of auto, boat, and RV dealers/dealer groups with complex lending and financial requirements • Establish and strengthen relationships with major dealership/dealer groups while promoting financial products and services • Service customers seeking loan and deposit relationships by interviewing applicants, evaluating credit information, and making relationship recommendations • Participate in and assess formal call programs targeting new loan and deposit business • Evaluate dealer commercial services, commercial real estate, and commercial loan financing requests • Evaluate loan requests for dealer principals and partners • Analyze applicants’ financial condition, cash flow, and credit history; make loan decisions within lending guidelines • Approve loans within authority and present requests to senior credit officers and credit committees when appropriate • Monitor industry trends and develop strategies to increase the Bank’s business • Maintain contacts with professional services communities and industry organizations • Collaborate with Sales Managers and Credit Managers to gather information, structure credits, and set pricing • Maintain a high-quality loan portfolio and maximize department profitability • Monitor loans, credit files, customer deposit accounts, audits, and statements for compliance • Understand and manage product pricing, cost structure, and risk • Provide guidance and technical knowledge to less experienced dealer commercial services relationship managers • Promote belonging and reflect the M&T Bank brand • Maintain internal control standards and implement audit and regulatory requirements • May mentor and/or supervise lower-level Relationship Managers • Complete other related duties as assigned

🎯 Requirements

• Bachelor’s Degree and minimum of 7 years Dealer Commercial Services and/or Commercial Lending experience, or in lieu of a degree, 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 • Superior relationship management, sales, and business development skills • Strong credit analysis and commercial lending skills • Strong knowledge of financial statements, tax returns, and credit reports • Thorough knowledge of bank/PC software programs utilized by the department • Excellent presentation skills • Strong negotiation skills • Superior organizational, written and verbal communication, and presentation skills • Ability to handle conflict without alienating people • Ability to work with peers and gain their cooperation • Ability to interact professionally with all levels of personnel • Demonstrated leadership skills in prior roles • Self-motivated and well-organized • Ability to work under critical time constraints • Master’s degree preferred