Overview:Responsible for an assigned portfolio of loan and deposit relationships with small business clients utilizing virtual channels. Solicit new business utilizing a sales strategy to include digital resources and technologies; manage risk and credit decisions; and service existing clients in assigned geographies through the bank's relationship management program. Work with branch partners to effectively sell to the business customer and cross-sell other bank products. Book of business will be in and around the Altoona, PA area with travel expected to visit clients minimally on a quarterly basis.
Primary Responsibilities:- Develop new banking relationships with business prospects and service existing business banking client base through remote activities. Achieve established goals as outlined by manager.
- Work with branch partners to maximize sales efforts to business customers and cross sell other products and services that the bank offers. Network with centers of influence to develop business including accountants, attorneys and other referral sources.
- Evaluate credit information and requests and recommend appropriate loan structure to manage risk. Effectively negotiate with underwriters and clients to maximize revenue and minimize risk..
- Oversee approximately 15 to 40 relationship managed clients.
- Actively participate in all business banking and retail sales sprints. Achieve call targets and other product sales goals such cash management, visa merchant, and others as assigned. Participate in civic and cultural organizations and programs. Utilize prescribed selling techniques to maximize sales opportunities.
- Adhere to applicable compliance/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 together with any issues raised by external regulators as applicable.
- Complete other related duties as assigned.
Scope of Responsibilities:Ability to sell effectively through multiple channels to prospects and clients. Manage and retain existing clients and portfolios
Work closely with internal contacts to service clients.
Managerial/Supervisory Responsibilities:N/A
Education and Experience Required:Bachelor's degree and two years of relevant sales/credit experience or in lieu of a degree a minimum of 6 years of higher education and/or relevant work experience, to include a
Sound credit skills necessary 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 required.
Education and Experience Preferred:Good understanding of Cash Management, Merchant Service, Trade Services products offered to Business Banking customers and ability to identify sales opportunities for those product sets.
Knowledge of personal computers and the software utilized by the department
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M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $85,800.00 - $143,000.00 (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.
LocationClanton, Alabama, United States of America
