UMB Bank jobs in Montgomery, AL

This position provides support for UMB's Consumer Credit Cards specific to the Card Loss Mitigation functions. **How you will spend your time:** + Complete complex transactional processing while meeting regulatory and compliance guidelines within completion timeline expectations + Assist with developing strategy for policies and procedures and support maintaining Collection and Recovery policies and procedures + Analyze, research, and resolve escalated issues; Proactively identify functional improvements and evaluate liquidation trends to assess vendor performance + Perform quality checks to ensure account updates and reports are processed properly + Communicate on a consistent basis with 1st and 3rd Party Collections agency answering questions or providing clarification on account questions + Support process enhancement implementation updates + Stay current with UMB's collections policies and procedures + Must be able to deliver to stringent timelines confidently **We are excited to talk with you if:** + You have 2+ years of financial services experience + Knowledge of TSYS or other card processing platforms + Accuracy and strong decision-making skills + Aptitude for problem solving and attention to detail + Ability to manage time and meet deadlines + Ability to work proactively & collaboratively in a team environment + Strong written communication skills + Ability to partner with multiple areas to achieve common goal **Bonus points if you have:** + 2+ years of experience with Collections/Recovery in a credit card environment **Compensation Range:** $38,910.00 - $75,080.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information_ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

The Commercial Credit Lead plays a vital role in assessing and managing credit risk for commercial clients at M&T Bank. This client facing position involves analyzing financial statement, structuring credit solutions, negotiating legal documents, and obtaining credit approval while ensuring compliance with credit policies and regulatory requirements. The Commercial Credit Lead manages a transaction team and collaborates closely with relationship managers (RM), risk officers, and other stakeholders to facilitate sound credit decisions and maintain portfolio quality. **Primary Responsibilities:** + Facilitate the credit needs of customers by underwriting new requests and material modifications from deal screen through approval and for the life of the loan. This analysis may include recommending adding or removing conditions. + Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews (and PLRs and Guarantor Assessments), interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance. Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information, and coordinate gathering of such information. + Analyze financial information and related materials and complete the credit analyses for the Bank's commercial transactions. Written analyses to include an independent credit quality assessment with well-supported risk rating, identification of and description of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues of respective deals. + Make appropriate structure recommendations based on an analysis and evaluation of scenarios including the company's case, bank's base case and a downside case. + As part of managing the ongoing credit risk of existing portfolios, identify suspicious activity and activity that may be contrary to customer's interest. + Partner proactively with relationship managers, and be intimately involved throughout the deal process, from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits. + Spread financial statements and prepare financial models designed to sensitize various conditions impacting the proposed transaction. + Prepare cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate. + Attend client/prospect calls with RMs to gain a thorough understanding of the client/prospect and their business to effectively analyze and underwrite the proposed transaction. Based on underwriting parameters, recommend the risk rating. + Prepare summary, present facts, and offers opinions concerning creditworthiness. + Propose the structure of loan requests, where appropriate, to include suggestions on terms, conditions, collateral, and guarantors. + Displays deep understanding of financial regulatory environment as it applies to underwriting most forms of commercial credit transactions. + Ensure credit policy compliance by verifying adherence of underwriting to the Commercial Credit Policy, and evaluating any risk associated with non-compliance. + Present analysis or address questions during credit request discussions or committee presentations. + 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:** Commercial Credit is responsible for the credit delivery of the Bank's commercial clients. Credit assessments range from initial analyses of new relationships to the Bank to material modifications or restructurings of long-term relationships and ongoing monitoring through the life of the loan. Commercial Credit is also responsible for ensuring the accurate completion of the Bank's risk rating scorecards and financial statement spreads. The work completed in this capacity is used to make credit decisions for new or renewed or amended credit transactions. The position interacts with commercial banking RMs and sales leadership throughout the bank's footprint and industry verticals, as well as other internal personnel, on credit approvals for the largest, most complex, and/or specialized loans. Customer interaction is expected. Works independently with minimal supervision. Ability to efficiently lead the transaction execution team comprised of an Associate and/or an Analyst. **Supervisory/Managerial Responsibilities:** Input into development of and training of junior/newly hired Analysts and Associates. **Education and Experience Required:** Bachelor's degree in Accounting, Finance or related field and 7 years' experience in complex credit underwriting, specialty underwriting, or other complex financial analysis role. In lieu of degree, a combined minimum 11 years' higher education and work experience, to include 7 years' experience in complex credit underwriting, specialty underwriting, or other complex financial analysis role. Excellent analytical skills with a high level of proficiency in financial modeling and analysis of credit transactions / structures. Ability to calculate and interpret financial ratios, analyze data, and complete trend analysis to understand and minimize credit risks. Proficient with legal documentation including experience and skill in negotiating legal documentation and the ability to structure transactions independently. Excellent verbal and written communication skills. Critical thinking and problem-solving abilities. Attention to detail and high level of accuracy. Ability to work independently and as a part of a team. Strong organizational and time management skills. Customer focused with strong interpersonal and relationship building skills. Proficiency in Microsoft Office. **Education and Experience Preferred:** Experience with Capital IQ, FactSet, and Bloomberg. \#LI-LA1 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 M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Originates new equipment finance loan and lease business that adheres to internal credit and external regulatory standards. Structures, negotiates, and closes each transaction and builds and expands existing business relationships with customers. **Primary Responsibilities:** Complete in-person, phone calls, and/or emails to current and potential loan and lease program partners to identify their needs and transactional opportunities; process and close equipment financing opportunities in alignment with credit guidelines. Increase selling, communications, and relationship management skills by working with sales leadership. Provide support, mentoring, and coaching to Account Executives to ensure integration of learned skills and assimilation into LEAF's culture. Develop and maintain a current knowledge of pertinent internal systems including usage and selling of the portal and pertinent software. Build and maintain relationships with peers in other areas of the business, including Accounting, Operations, Sales, Credit, Asset Management, Collections, Pricing, Business Intelligence, and Legal to obtain the requisite support for responsibilities. Promote an environment that supports and reflects the LEAF and M&T cultures, while delivering a great value proposition 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 **Education and Experience Required:** Bachelor's degree in Business, Marketing, Finance or Accounting and a minimum of 2 years' equipment finance experience, or in lieu of a degree, a combined minimum of 6 years' higher education and/or work experience, including a minimum of 2 years' equipment finance experience Prior leasing and sales experience Strong verbal and written communication skills Strong interpersonal skills Strong presentation skills Strong analytical skills Strong decision-making skills Strong strategic planning skills Proficiency with personal computers as well as pertinent software packages **Education and Experience Preferred:** Ability to sell effectively to current and prospective clients **Physical Requirements:** Ability to travel on an as needed basis M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $29.90 - $49.84 Hourly (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 M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Responsible for sales strategy including development, implementation, and execution for assigned Global Capital Markets (GCM) product line and meeting individually assigned sales goals. **Primary Responsibilities:** Complete needs analysis for current and potential Global Capital Markets clients and communicate viable solutions based on those needs. Prospect for new clients and influencers to develop new business opportunities for GCM while promoting all trust services. Ensure continuing development of relationships with clients, influencers and prospects through calling activity. Complete and maintain calling activity logs via contact management system to provide a record of activity. Participate in preparing and developing effective sales promotional materials for meetings with clients. Recognize market trends and implement new product ideas as market conditions dictate. 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:** This position emphasizes the ability to maximize market coverage through smart prioritization of client focus and time management. It requires a high degree of autonomy and extending one-self to meet clients where they are-in their markets, offices, at conferences and other industry events. It also requires a consistent level of collaboration with account administration colleagues to ensure transparency of sales efforts and client interactions. **Supervisory/Managerial Responsibilities:** Not Applicable **Education and Experience Required:** Bachelor's degree and a minimum of 5 years' professional work, sales and/or leadership 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' professional work, sales and/or leadership experience Strong verbal and written communication skills Experience understanding individual needs analysis of potential clients **Education and Experience Preferred:** Minimum of 7 years' professional work, sales and/or leadership experience Corporate Trust sales or administration experience Institutional sales experience in other related financial services businesses Advanced degree Certified Corporate Trust Specialist (CCTS) certification **Physical Requirements:** M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $116,400.00 - $194,000.00 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 M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Responsible for the management, planning and coordination of assigned Mortgage/Consumer Lending unit of approximately 10 employees, either directly or indirectly. Provide technical, functional and operational expertise in department work policies and procedures. Make recommendations concerning staffing, performance appraisals, promotions, salary recommendations and terminations. **Primary Responsibilities:** + Responsible for the planning, leadership, problem resolution, analysis and reporting for assigned Mortgage/Consumer Lending unit of approximately 10 employees, either directly or indirectly. Ensure that the unit managed is adequately staffed and personnel are trained. + Review and recommend new methods and procedures to make daily operations more efficient. Provide recommendations for department policy changes and creates new unit policy and procedures. Consults and communicates with operations staff. + Provide input to tactical planning and short-term initiatives. Responsible for unit contingency planning and regulatory compliance. + Participate in projects at the department level. + Support annual Budget process. Continuing responsibility for expense control. + Make recommendations concerning staffing, performance appraisals, promotions, salary recommendations and terminations. Administer Human Resource recommended actions. Oversee training and development of direct reports. Interview prospective employees and make recommendations for hire. **Scope of Responsibilities:** This position requires a thorough knowledge of business, applicable regulations and affiliated technology. The position works with some uncertainty with established parameters for solutions, possesses moderate risk to organization. **Supervisory/ Managerial Responsibilities:** Responsible for multiple direct reports at the supervisor level. Oversee a unit or small department of 10+ employees. **Education and Experience Required:** Bachelors Degree, OR in lieu of degree, Four to five years relevant work experience. Minimum three years operations experience. Minimum three years supervisory experience. SAFE Act registration required. **Education and Experience Preferred:** Masters degree M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $62,200.00 - $103,600.00 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 M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

We are seeking a highly skilled Functional Consultant with primary expertise in Oracle cloud Financials Subledgers like Accounts Payable, Fixed Assets, Payments and Project accounting cloud service and secondary experience in Oracle Cloud Financials General Ledger and AHCS. This role requires close collaboration with business stakeholders, technical teams, and end-users to analyze, design, implement, and support financial systems. Responsible for facilitating complex projects from proposal through post-implementation. Participates in meetings with lines of business to identify their requirements in how an application looks and feels to the end user; provides feedback on them. Serves as project lead to ensure test plans and specifications are completed in a timely basis and project meets established milestones. Primary Responsibilities: + Analyze and gather business requirements related to Oracle Subledgers: Accounts Payable (AP), Fixed Assets (FA), Payments, and Project Accounting (PA) modules. + Configure and maintain Oracle Subledgers AP, FA, Payments, and PA modules within the Oracle Cloud ERP environment. + Design and document functional specifications for customizations, reports, and system integrations. + Collaborate with technical teams to ensure successful solution delivery. + Support month-end and year-end financial close activities. + Conduct system testing, user acceptance testing (UAT), and end-user training. + Troubleshoot and resolve functional issues in Oracle Subledgers AP, FA, Payments, and PA modules. + Ensure compliance with accounting regulations and financial reporting standards. + Provide post-implementation support and drive continuous process improvements. + Prepare well-documented functional specifications for assigned projects, test plans, test scripts, and execution of test scripts. + Conduct research and analysis of complex data to ensure accuracy in functional design of assigned projects. + Serve as mentor to less experienced staff, assisting in application training, research analysis, and project methodology consultation. + Schedule and facilitate project team meetings; document and distribute meeting minutes as applicable. + Meet with business clients to discuss requested application changes related to enterprise-wide initiatives, compliance/regulatory requirements, contractual obligations, or system maintenance (BAU). + Participate in design discussions and ensure delivery of required functional specifications. + Participate in meetings with lines of business to identify application requirements and provide feedback to ensure technology solutions support customer needs. + Review business requirements with technology teams to ensure understanding of project scope. + Coordinate and provide estimates for complex projects and complete estimates for assigned components, including timelines and project phases. + Serve as subject matter expert to advise on application impacts from enterprise-wide initiatives such as acquisitions or major product/service changes. + May serve as Test Coordinator for large project initiatives involving multiple applications. **Education and Experience Required:** Combined minimum of 8 years' combined higher education and/or operational/business analytics/systems development experience Excellent verbal and written communication skills Excellent organizational skills Excellent time management skills Excellent lateral thinking skills Excellent problem-solving skills Prior experience multitasking for various components of complex projects. Prior experience coordinating between applications and business units. Prior experience working in a team environment as well as autonomously. **Education and Experience Preferred:** Bachelor's degree Subject matter expert in business with knowledge or experience utilizing application/system being supported. Proven mentoring and leadership capabilities Ability to recognize project milestones and delivery dates. Ability to recommend and implement solutions. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $103,000.00 - $171,600.00 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 M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Responsible for capturing and refining information security requirements and ensures their integration into information technology component products and information systems through purposeful security design or configuration. Provides advanced working guidance to technology teams and leadership in the areas of secure coding, application authentication, encryption, and quickly research and become competent in other areas as needed. **Primary Responsibilities:** + Develop and implement engineering's technical security policies and procedures, and performance of security measures, + Scan and test applications for potential vulnerabilities and non-compliance with security standards, + Partner with engineering teams during code reviews to identify potential security vulnerabilities and advise strategies to develop more secure code, + Integrate security tools and processes into the software development and operations (DevOps) pipeline, including automation of security checks and scans to identify and fix vulnerabilities early in the development process. + Lead training sessions for technology teams in one-on-one coaching and large team training sessions on secure coding practices and information system security best practices. + Configure and manage automated tools and solutions to address security weaknesses in applications, systems, and infrastructure. + Partner closely with incident response teams to mitigate the impact of incidents from application security vulnerabilities and identify necessary steps to remediate findings. + Proactively recommend process enhancements and implement prioritized improvements within Cybersecurity team to enhance application security capabilities. + Track current events, technological advancements, and changes in the secure application development landscape to anticipate how attackers may change their tactics, and implement adjustments to internal technologies, policies, and procedures. + Understand and adhere to the Company's risk and regulatory standards, policies, and controls in accordance with the Company's Risk Appetite. Design, implement, maintain, and enhance internal controls to mitigate risk on an ongoing basis. 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:** + Partners primarily with individual contributors and leaders within Cybersecurity and Technology, and occasionally senior leaders within Cybersecurity. + Determines and develops approach to solutions. Work is accomplished with periodic check-ins for alignment and limited direction. Work is evaluated upon completion to ensure objectives have been met. + Proficient ability to use multiple Cybersecurity tools, specific to function. + This role is used within Cybersecurity, typically in one of the following ways: + Application Security - partners with engineers and developers to secure first-party and third-party code by reviewing the application, data, and systems it interacts with. + Product Security - secures products by ensuring they are designed, developed, and delivered in a secure manner". **Manager Responsibilities:** No supervisory responsibilities **Education and Experience Required:** + Bachelor's degree and a minimum of 3 years' relevant work experience, or in lieu of a degree, a combined minimum of 7 years' higher education and/or work experience, including a minimum of 5 years software development or application security + Prior experience reviewing or fixing vulnerabilities identified using application security tools such as static application security testing (SAST), software composition analysis (SCA), interactive application security testing (IAST), dynamic application security testing (DAST), or application security posture management (ASPM) suite + Intermediate understanding of the Software Development Life Cycle (SDLC) + Ability to train technologist and people leaders at various levels on secure application development, both in person and virtually + Excellent communication and interpersonal skills **Education and Experience Preferred:** + Intermediate experience reviewing or fixing vulnerabilities identified using application security tools such as static application security testing (SAST), software composition analysis (SCA), interactive application security testing (IAST), dynamic application security testing (DAST), or application security posture management (ASPM) suite + Understanding of common software weaknesses that impact cloud and web applications, beyond the Open Worldwide Application Security Project (OWASP) Top 10 + Demonstrable experience developing and maintaining automation for application security tasks and defect identification + Experience developing enterprise applications + Knowledge of secure configuration of cloud-native and containerized apps in one or more Cloud environments + Certifications in the area of Application Security + Proficient persuasive communication skills to gain buy-in of others in cybersecurity and technology teams + Ability to create an effective learning environment that allows for maximum learner results + Must be comfortable with providing 1-1 coaching for all levels of individual contributors and up to SVP management + Ability to build and maintain effective relationships within and across multiple technical teams + Prior experience utilizing continuous integration and continuous deployment (CI/CD) pipeline instrumentation + Highly proficient at coding with one or two programming languages + Highly proficient with Agile development methodologies and version control systems + Experience defining and reviewing software security features and capabilities \#LI-JB3 #Remote M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $93,581.10 - $155,968.51 (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 M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Responsible for monitoring, evaluating, and interpreting data on the Bank's Commercial Loan portfolio as it relates to the Credit Risk Rating Framework including preparation of trend analysis, exposure limits and various risk identification reports. Develop tools allowing for the monitoring of movements in the portfolio, identify emerging risks and make recommendations to management. Leverage risk experience and business knowledge to assist in planning initiatives to accomplish enterprise-wide goals around the Commercial Portfolio. **Primary Responsibilities:** + Contribute to the effective management of commercial credit risk by supporting the Risk Rating Framework through analytical practices, adherence to regulatory guidance, and understanding of M&T Credit Culture. + Assist with the review of the Probability of Default and Loss Given Default Masterscales, and the use of scorecards to assign credit risk ratings. Recommend improvements to Credit Risk Management. + Support the PD and LGD Masterscales through large commercial datasets using statistical analysis in Statistical Analysis System (SAS), PYTHON or similar tool to properly compare estimates to historical performance. Communicate analytical results to Bank-wide stakeholders. + Collaborate with Model Risk Management to ensure compliance with model governance requirements, including documentation updates, performance monitoring and validation support for department-owned models. + Provide financial analysis and data support to other groups/departments across the Bank as required. + Develop Knowledge around various Banking Regulatory requirements. Regularly present portfolio risk summaries and dashboards to management and governance committees. + Lead special projects as requested by Management. + Leadership/mentor junior staff. + 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. **Supervisory/ Managerial Responsibilities:** N/A **Education and Experience Required:** Bachelor's Degree in a Business or Mathematics-based or related Disciple, or in lieu of degree four- or five-years' credit risk, financial or business analysis experience. Five years' relevant experience in Banking, Risk or Finance analysis or a related field. Five years' experience preparing written documentation and/or papers/publications. Statistical Analysis System (SAS), PYTHON or similar tool **Education and Experience Preferred:** MBA preferred. Development of Statistical Models M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $74,600.00 - $124,400.00 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 M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Responsible for CD Issuance through to and including, issuing closing documents and funding the loan, adhering to product, investor, state and federal guidelines, managing the most complex files, loans and issues. This position is also responsible for the on-boarding and training of new employees. **Primary Responsibilities:** Responsible for training new additions to the closing department, ensuring preparation and delivery of complete and accurate closing packages. Handle multiple complex files and pinpoint potential problems/resolves complex issues timely. Responsible for closing new products and complex loans. Review new product internal closing highlights with department team members and train fellow co-workers once the closing has been mastered. Recommend efficiency and system changes to improve/streamline closing process through process map review and identification of process improvements for productivity gains. Review and respond to Internal and External Audit Inquiries as well as participate in Audit calls. Maintain effective communication with all necessary parties involved in closing a transaction, from the customer, broker, correspondent, settlement agent, loan officer, post-closing, loan delivery, mortgage servicing, mortgage accounting, funding and co-workers to ensure a seamless closing experience, starting with CD preparation to CD Issuance through to issuing Final Closing documents. Work with various internal departments as well as external organizations to obtain closing related documentation or obtain necessary information needed to complete a closing (i.e., Payoffs, subordination's, releases, tax, title, homeowners/flood information). Review rate lock expirations and document expirations to ensure closing is within required time frames. Review system of record information to ensure accurate closing documentation can be prepared and that the necessary closing documents are in the system. Perform validation of fees and submit wires to fund all loans within necessary time frames. Review CD for accurate closing figures such as seller concessions, ratio tolerances, and investment required into transaction, and cash back at closing. Report system and closing document issues. Test closing documents and custom enhancements for system updates. Act as subject matter expert of Product, Investor and Compliance Requirements. Train peers on new policies and procedures and present ideas to improve processes and workflow. Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. 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. Promote an environment that supports belonging and reflects the M&T Bank brand. Complete other related duties as assigned. **Scope of Responsibilities:** The scope of the position involves a high level of risk due to the importance of the regulations that a closer is responsible for adhering to: TRID, High Cost, TILA, RESPA. This position handles the more complex products and processes. They are highly efficient and engaged in processes to identify gains in productivity. They work across channels having strong relationships with applicable parties such as sales, operations, audit, risk, and external third parties. They are problem solvers, owning the more difficult complex issues that arise. **Supervisory/ Managerial Responsibilities:** Not Applicable. **Education and Experience Required:** Associates degree and a minimum of 3 years' prior Mortgage experience to include CD Issuance whether at a Lender, Title Company or Settlement Agent's office, or in lieu of a degree, a combined 5 years' higher education and/or work experience, including a minimum of 3 years' prior Mortgage experience to include CD Issuance whether at a Lender, Title Company or Settlement Agent's office. Strong PC skills with knowledge of spreadsheet, word processing, and email software. Ability to make sound decisions based on information provided. Versatility and flexibility working within an ever changing fast paced mortgage environment. Ability to function independently within time constraints. Excellent verbal and written communication skills. Strong attention to detail and organizational skills. Ability to prioritize daily workload. High levels of initiative, self-reliance and independence. Ability to work in a team environment. Strong work ethic, reliable and dependable. Notary Public. **Education and Experience Preferred:** Solid knowledge of Department software. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.61 - $37.67 Hourly (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 M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

**_This role offers_** **a** **_hybrid work schedule or could be considered remote for anyone outside M&T footprint._** **At M&T Tech** **, we're a team of makers, doers, and builders, working to create the most advanced technology solutions in banking. We're not your stereotypical suit and tie bankers: we're an innovative team of leading tech experts, pushing boundaries, and taking risks. We're building an agile team of the most skilled and creative workers to solve complex problems, architect solutions, write high-performance software, and chart our new path, all to make the lives of our customers, and the communities that we serve, better. Join us and be part of something new as we build tomorrow's bank, today.** **Overview:** **The Senior Systems Programmer for Mainframe Networking is responsible for the design, implementation, maintenance, and optimization of mainframe network infrastructure. This role ensures high availability, security, and performance of mainframe communications systems, including VTAM, TCP/IP, and related subsystems. The ideal candidate will have deep expertise in IBM z/OS environments and a strong background in network protocols and mainframe middleware. Participates in technical research and development to enable continuing innovation within the Networking & Middleware Mainframe infrastructure.** **Primary Responsibilities:** **System Management & Product Maintenance** **: Install, customize, and maintain mainframe network software, including but not limited to, z/OS Communication Server (VTAM, TCP/IP, FTP, SFTP, TLS, and Enterprise Extender) and Connect:Direct (NDM). Apply maintenance to all associated software & products as required to maintain system stability.** **Troubleshooting and Problem Resolution** **: Serve as a top-tier technical escalation point for complex problems involving mainframe networking within the mainframe environment, including middleware components (CICS, DB2, MQ, and JES2). Use diagnostic tools (e.g., IPCS, packet traces) to perform root cause analysis and implement effective solutions. Respond to and resolve incidents; work with vendor to identify and implement fix where applicable. Provide guidance to less experienced staff. Identify root causes of system issues and work with partner teams to fix the root cause.** **Performance and Tuning** **: Monitor system performance, conduct capacity planning, and implement performance-tuning measures to optimize system efficiency and ensure service-level agreements (SLAs) are met.** **Security and Compliance** **: Work closely with the security team to implement and maintain security protocols, including AT-TLS configuration and certificate management, to protect data and ensure compliance with corporate standards.** **Project Leadership** **: Lead and participate in large-scale projects, such as major software upgrades, hardware refreshes, and disaster recovery planning and exercises.** **Collaboration and Mentoring** **: Collaborate with application developers, operations staff, and other systems programmers. Provide technical guidance and mentorship to junior team members.** **Documentation** **: Maintain comprehensive documentation of system configurations, procedures, and problem-solving techniques.** **Education** **: Attend vendor sponsored conferences as a representative of the Bank to seek out industry technology to utilize at the Bank. Provide thought leadership at vendor-sponsored conferences, presenting new technologies or providing industry leadership in new technologies. Review training opportunities that are available and make recommendations.** **On-call Support:** **Take ownership of emergency support responsibilities as part of a 24/7 on-call rotation.** **Collaboration** **: Ability to work effectively in a team environment and collaborate with various departments to achieve organizational goals.** **Additional Responsibilities** **:** **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.** **Required skills and qualifications** **Technical expertise** **:** **10+ years of hands-on experience in mainframe systems programming on the z/OS platform.** **Expert-level knowledge of z/OS Communication Server, including VTAM, TCP/IP, FTP, SFTP, TLS, Enterprise Extender, and Connect:Direct (NDM).** **In-depth knowledge of SMP/E for software installation and maintenance.** **Fluency in JCL, REXX, and CLIST among others.** **Analytical skills** **: Proven analytical and problem-solving skills for diagnosing and resolving complex technical issues.** **Communication** **: Excellent written and verbal communication skills, with the ability to explain complex technical information to both technical and non-technical audiences.** **Preferred Qualifications** **Strong proficiency with mainframe middleware, including IBM MQ Series on Z, CICS, & DB2 on Z.** **Education and experience** **Bachelor's degree in Computer Science, Information Technology, or a related field, or equivalent work experience.** **10+ years of experience in mainframe systems programming, with a focus on networking and middleware.** **Relevant certifications are a plus.** **We support our team members with generous benefits.** **Competitive compensation** **Health, welfare, and retirement benefits** **401(k) match at 5%** **Work-life balance and flexible work arrangements** **Banking Officers start with 25 days PTO plus 12 paid holidays** **40 hours paid volunteer hours per year** **Much more. For details, see: M&T Benefits Overview (************************************************************************************************ **About M&T** **M&T Bank is a Top 20 US bank holding company and one of the best performing and financial stable regional banks in the country, we offer our technology employees a wide range of performance-based career development opportunities. We have a strong commitment to our customers and the communities we serve, and we continue to grow with a focus on the future. So, when looking to advance your career, look to M&T. Grow with us.** **\#LI-JB3** M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $116,400.00 - $194,000.00 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 M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

The Fair Banking Qualitative Risk Manager is responsible for managing and overseeing a team of analytics professionals who perform modeling and qualitative assessments to identify, measure, and mitigate Fair Lending risk across the lending lifecycle. This role ensures compliance with regulatory expectations and internal risk management standards by providing credible challenge, analytical oversight, and governance of statistical methodologies used to evaluate underwriting, pricing, redlining and other aspects of Fair Banking performance. The manager collaborates with Compliance, Risk, and business partners to ensure results are accurately interpreted, communicated, and incorporated into fair and responsible banking practices. **Primary Responsibilities:** + Manage and mentor a team of Fair Lending analysts performing regression modeling, matched-pair analysis, redlining analytics, and comparative file reviews. + Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations. + Establish priorities, assign projects, and monitor progress to ensure timely, high-quality deliverables aligned with department goals. + Foster a culture of analytical integrity, professional development and cross-team collaboration between analytics, and business partners. + Oversee model development and maintenance processes to ensure adherence to regulatory and model-risk expectations. + Review and approve analytical frameworks, variable selection methodologies, segmentation strategies, and model documentation, to ensure transparency and reproducibility. + Provide credible challenge to assumptions, controls, and outcomes produced by analysts; ensure the findings are fully supported, statistically valid and risk contextualized. + Coordinate with Model Risk Management and Internal Audit during validation, periodic reviews, and model inventory updates. + Oversee development of written analyses, memo, dashboards, and reporting materials for Senior Management, Internal Audit, and regulators. + Act as a liaison for all Quantitative Risk Management projects for Senior Management related to a diverse portfolio of bank wide divisional areas, external consultants, vendors, and peer banks on facets of quantitative risk management. + Understand and adhere to the Company's risk and regulatory standards, policies, and controls in accordance with the Company's Risk Appetite. Design, implement, maintain and enhance internal controls to mitigate risk on an ongoing basis. Identify risk-related issues needing escalation to management. + 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. **Education and Experience Required:** Bachelors' degree, OR in lieu of a degree, A combined minimum of 14 years' higher education and/or work experience, including a minimum of 10 years' related experience (inclusive of 4 years supervisory/management experience) -OR- Master's degree in mathematics, Statistics, Quantitative Analysis or another technical discipline and a minimum of 8 years' related experience (inclusive of 4 years supervisory/management experience), OR in lieu of a degree, A combined minimum of 14 years' higher education and/or work experience, including a minimum of 8 years' related experience and/or (inclusive of 4 years supervisory/management experience). Minimum of 10 years' related experience (inclusive of 4 years supervisory/management experience) Banking or Financial Services experience. Experience with SAS, SAS Enterprise Miner and other Statistical Software Packages. Advanced Knowledge of SQL and Microsoft Office. Ability to utilize analytics in a collaborative manner across business functions and product lines to derive optimum solutions. Demonstrated ability to communicate complex concepts. Demonstrated ability to manipulate and analyze data across large databases. **Education and Experience Preferred:** Credit Analysis experience. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $148,300.00 - $247,100.00 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 M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

**M&T Realty Capital Corporation** is a wholly-owned subsidiary of M&T Bank. As a full-service mortgage banking company, we specialize in providing competitive financing nationwide for commercial real estate. Responsible for due diligence and direct underwriting specializing in Agency Screening & Analysis and/or Agency Underwriting. **Primary Responsibilities:** + Position responsibilities include some or all of the following depending on product specialty: + Analyze/Spread operating statements for multifamily or commercial loan transactions in accordance with specific investor guidelines. + Responsible for accurate loan sizing and overall risk assessment prior to/or after application utilizing specific Investor underwriting guidelines and requirements. + Interview prospective borrowers and property managers to obtain critical property, management, and borrower details for each transaction. + Work closely with loan originators to help negotiate deal terms and resolve outstanding issues. + Interact with respective Investor Representatives (Fannie Mae, Freddie Mac) regarding loan transaction terms and waivers. + Inspect property in accordance with Investor guidelines (travel required-national). + Obtain and review all third party reports associated with each transaction as required by specific investor. + Completion of underwriting narrative/committee package. + Review of commitment letter and handoff to loan closing department. + Complete other related duties as assigned. **Scope of Responsibilities:** Underwriters are required to use analytical skills to review rent roll, operating statements, financial statements, third party reports (real estate appraisals, market studies, physical needs reports and environmental reports) to make credit judgments and prepare the required application submissions to the appropriate agency. **Supervisory/ Managerial Responsibilities:** Indirect management/mentorship of junior underwriters assigned to the transaction. **Education and Experience Required:** Bachelor's Degree or equivalent work experience and 5 years agency multifamily underwriting or related experience to include completion of multifamily inspection training (or similar work experience and credit training) or in lieu of a degree a combined minimum of 9 years' higher education and/or work experience including a minimum of 5 years agency multifamily underwriting or related experience to include completion of multifamily inspection training (or similar work experience and credit training). Ability to multi-task. Proficiency Excel and Word programs. Strong analytical skills. Self-driven and highly motivated to learn. Strong narrative writing skills. Exceptional internal and external stakeholder relationship management. Ability to travel 2-3 days per month for property inspections. **Why Choose MTRCC:** + We are 1 of 5 US-based lenders offering Fannie Mae, Freddie Mac, FHA, bridge loans, life company, debt funds and other capital source relationships + Our parent company, M&T Bank, is one of the largest commercial real estate lenders in the United States. We leverage the power of our balance sheet and other financial services to provide a wide array of resources to fit our clients' needs. + Approved Fannie Mae DUS and Freddie Mac Optigo lender since 1989 + One of the nation's leading firms providing FHA-insured multifamily mortgages and an approved MAP lender with 30+ years of experience + We offer a competitive Multifamily Bridge Loan Program aimed at providing customers with shorter-term financing solutions as a bridge to closing on an agency or life company execution + Our long-standing relationships with numerous life insurance company investors gives us flexibility during the term of a loan M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $103,000.00 - $171,600.00 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 M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

This position is responsible for monitoring and overseeing the foreclosure process for loans assigned to team members to ensure foreclosures remain on track with investor guidelines. This position also provides subject matter expertise to the team and handles escalated issues, as well as being responsible for managing a portfolio of loans involved in complex litigation and protecting M&T's interest in the subject mortgaged property. In addition, this position performs the highest risk administrative functions related to the foreclosure process. **Primary Responsibilities:** + Monitor progress of foreclosures through queues and reporting, ensuring team is effectively working their portfolios and compliance with state/federal and investor guidelines. Work with foreclosure attorney, outside counsel and/or in house counsel to resolve disputes involving property in which the bank or its investors have an interest. + Serve as primary escalation contact for both associates on the team, attorneys and other departments. + Work with Foreclosure team to ensure FHA 1st legal deadlines are met once the loan is referred to foreclosure, including filing and tracking of any necessary extension requests. + Research, validate and update loans appearing on various foreclosure exception reports, including but not limited to No Dual Track, clean up and investor timeline reports. + Provide approval of additional attorney fees beyond associate level approval limit. Maintain tracking and reporting of legal expense on litigation files outside of the foreclosure action. + Perform QC review and approval of investor bidding instructions, ensuring adherence to investor/MI guidelines. + Conduct regular 'side by sides' with team to discuss loan level issues and procedures. Conduct a review of all assigned loans at a minimum of every 30 days, including the updating of documentation and follow up. + Ensure compliance with federal, state, regulatory and investor guidelines regarding foreclosure. + Work with management to revise, update and implement procedure changes as well as create new procedures. Gather departmental information and assemble presentations for regular investor, regulatory and internal meetings. + Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. + 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. + Promote an environment that supports belonging and reflects the M&T Bank brand. + Complete other related duties as assigned. **Scope of Responsibilities:** This position interacts with CAM management and external third-party foreclosure attorneys to ensure successful and timely completion of foreclosure, consistent with investor guidelines and regulatory requirements. **Education and Experience Required:** A combined 4 years' higher education and/or work experience, including a minimum of 2 years' Default Servicing related field experience (e.g., Collections, REO, Loss Mitigation). Working knowledge of word processing and spreadsheet software. Strong written and verbal communication skills. Detail oriented. Strong analytical and problem solving skills. Ability to work effectively in a team environment. **Education Experience Preferred:** 3 years' Default Servicing related field experience (e.g., Collections, REO, Loss Mitigation). Proven leadership ability. Knowledge of bank and departmental systems. Understanding of mortgage product including home equity loans and lines of credit, general operation and systemic functions including payment allocation and escrow. Experience training new staff and implementing procedures and process changes. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $22.61 - $37.67 Hourly (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 M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Manage existing MTEFC (M&T Equipment Finance Corporation) business relationships in conjunction with senior management. **Primary Responsibilities:** Manage existing MTEFC (M&T Equipment Finance Corporation) business relationships in conjunction with senior management, communicating with the customer to satisfy their financing needs. Solicit the existing customer base to originate new financing opportunities, including through bid letters and job awards on publicly funded projects. Leverage our value-add approach of superior service and industry and equipment knowledge to expand business relationships and deliver sufficient margins. Assess experience, financial condition, and collateral of customers to identify their individual needs to provide appropriate financing solutions. Provide industry and customer intelligence provided by surety, suppliers, and vendors to senior management to resolve potential delinquencies. Assist senior management with sales training on a regular basis through sales meetings, conference calls, tradeshows and scheduled one-on-one phone calls. Work with management and support teams to drive success and efficiency, using public data sources that give MTEFC a competitive advantage. Represent the organization in the marketplace and work with other areas within MTEFC to contribute to new business opportunities. 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. 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 **Education and Experience Required:** Bachelor's degree and a minimum of 7 years' relevant work 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' relevant work experience **Education and Experience Preferred:** Prior credit underwriting experience Strong verbal and written communication skills Strong organizational skills Strong analytical skills **Physical Requirements:** M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $107,500.00 - $179,100.00 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 M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

**_Are you ready to be part of something more?_** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another and their community. Expect more than the status quo. At UMB, you can expect _more heart_ . You'll be valued for exactly who you are and encouraged to support causes you care about. Expect _more trust_ . We want you to do the right thing, no matter what. And, expect _more opportunity_ . UMBers are known for having multiple careers here and having their voices heard. With UMB Loan Administration; the REG (Real Estate Group) Commercial Loan Closing Coordinator associates focus their work toward non-owner occupied commercial real estate loans to ensure all closing requirements are gathered, reviewed and processed for loan closings. These associates are the determining factor on whether a commercial loan can close so customers can start their business endeavors. The REG Commercial Loan Closing Coordinator role takes on loans of all sizes, structures and complexities. These associates are solution-based problem solvers who aid our lenders, attorneys, customers and internal partners to ensure we are providing the unparalleled customer experience to customers and clients who are acquiring our loans. The fast-paced environment with unpredictable scenarios keeps our associates flexible and adaptable to changes to meet our overall business needs. Our REG Commercial Loan Closing Coordinator associates are motivated to be self-driven and enjoy the challenge of learning new skills while controlling the progression of their career. **_How you'll spend your time:_** + You will be responsible for reviewing loan approvals, working directly with our outside counsel and communicating to lenders and customers on items needed to work towards closing. You will also work directly with other internal business partners, syndicated/participating banks and title companies to coordinate loan closings. + While in this high-profile position, you will be responsible for ensuring loans are closing per Loan Policy, Underwriting Guidelines and compliance regulations. + You will use problem solving skills to provide solutions to lenders, attorneys and internal partners to see the loan across the finish line. + You will need strong communication and time management skills to ensure the loan is on track for closing and all parties involved are on the same page. + Tasks would include, but are not limited to, title commitment ordering and review, flood determination review, environmental report ordering and review, UCC search ordering and review, review of organizational documents and review of loan documentation for both internal documentation and attorney prepared documentation and work with loan accounting teams to see that loans are funded/disbursed and booked in accordance with closing requirements. **_We're excited to talk with you if:_** + If you have five years of Commercial Real Estate loan Coordinating experience + You demonstrate understanding of Article 9 + If you have a high school diploma or equivalent. **Compensation Range:** $51,480.00 - $99,330.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information_ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

**COMMERCIAL RELATIONSHIP SPECIALIST-FRANCHISE FINANCE & HEALTHCARE** At UMB Bank, the Commercial Relationship Specialist provides a highly skilled level of support to Relationship Managers and Clients within Commercial Banking while maintaining and supporting the development of relationships with customers and internal partners. **Primary Responsibilities** + Assist Relationship Manager(s) by performing daily support activities related to client relationships and keep respective Relationship Manager informed when appropriate + Act as point of contact for Commercial Banking clients for all servicing requests related to client relationship + Manage post-closing requirements such as exception citing's, collateral perfections, covenant items, etc. + Work closely with Treasury Management team to successfully onboard new Deposit Account and Treasury Services for clients as well as provide guidance to clients to the appropriate resource for servicing and assistance + Maintain client records for both loan and deposit accounts + Provide professional and courteous customer service while answering questions, researching issues, and providing resolutions as needed + Facilitate loan payoffs and collateral release requests + Assist with Analysis Refund requests + Facilitate no-pin wires + Assist with transfers + Handle customer overdraft communication and decisioning + Provide and assist with Loan and Deposit Account information/documentation **Requirements** + High School Diploma or GED and three (3) years general banking experience OR a Bachelor's degree and two (2) years banking or client support experience. Application Deadline: December 31, 2025 **Compensation Range:** $37,490.00 - $71,920.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

Make banking a Fifth Third better We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION: Acts at the direction of the Fifth Third Wealth Advisors within established investment policy guidelines to develop, recommend, and execute investment programs designed to achieve the objectives of large and complex client accounts. Primary functions include investment management, client service and support of new business efforts. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types. ESSENTIAL DUTIES AND RESPONSIBILITIES: + Consult with the Fifth Third Wealth Advisor and client/prospects to develop investment objectives and implement a suitable investment plan and maintain an Investment Policy Statement for each relationship. + Working with Fifth Third Wealth Advisors, participate in the development of new business opportunities by meeting with prospects, preparing and presenting proposals for investment management. + Invest assets according to investment policy guidelines to deliver a competitive rate of return within the given level of risk. + Regularly engage with other members of the firm and external advisors to ensure effective communication regarding client objectives and coordinate portfolio changes. + Mentor more junior Portfolio Managers. + Maintain awareness of new investment strategies, techniques and products through regular contact with other industry professionals and through internal and external research. + Keep informed of market trends and analyze the effect of these trends on client's investment portfolios. + Keep current on the legal and tax issues with respect to investment decisions by consulting attorneys, accountants and other resources as needed. + Follow established investment policies and procedures including annual account reviews and working to minimize and/or document exceptions. MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED: + Bachelor's degree required in a related field, and the successful candidate is likely to have an advanced degree, such as an MBA or CFA. + Generally, the incumbent should have 7 to 10 years' experience involving money management, including investment decision making. + Solid communication and presentation skills are required for this position. FTWA Senior Portfolio Manager Total Base Pay Range 119,500.00 - 256,900.00 USD Annual At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day. The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance. Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: *************************************************************** or by consulting with your talent acquisition partner. LOCATION -- Virtual, Alabama 00000 Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes - no matter how they are submitted - will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee. Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

Originate mortgage applications within low-to-moderate income neighborhoods and to low-to-moderate income borrowers. Participate in Community Reinvestment Act (CRA) related activities and functions within M&T community bank regions. Must adhere to the requirements of federal registration under the SAFE Act. **Primary Responsibilities:** + Works independently to cultivate new mortgage business. + Markets, services and promotes the bank's mortgage products. + May be required to travel to and work at prospective customers' homes or business locations. Follows-up on potential customers via travel or telephone. + Follows-up on potential customers via travel or telephone. + Market bank wide proprietary CRA products, e.g., Get Started, with Retail Bank Network as well as outside organizations such as real estate firms, housing agencies, etc. + Market agency related products (FHA, VA, etc.) to low-to-moderate income borrowers and in low-to-moderate income neighborhoods.Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data. + Independently assesses applicant's credit worthiness. + Has authority to issue pre-qualification statement of borrowers' eligibility. + Determines which products best meet the customer's needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs. + Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed.Negotiates terms and conditions of loans with mortgagors. + Has authority to bind the bank in connection therewith.Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements. + Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance. + Interact with various housing agencies and governmental entities focused on CRA initiatives. + Stay informed of industry regulations and governmental requirements as they relate to CRA housing needs.Meet with potential customers to ascertain financial needs as they may relate to CRA guidelines, first time homebuyer guidelines and mortgage opportunities that lie therein. + Represents the bank in the community and related functions to identify, develop and promote additional business. + May present seminars to general public and real estate agents to promote additional business and community outreach. **Scope of Responsibilities:** Facilitates the bank's need to meet its CRA responsibilities with the federal regulators and the citizens of the community bank regions. Relationships will forge with local housing agencies and groups which specialize in CRA outreach programs. The incumbent is required to travel extensively with limited supervision. The position requires extensive external contacts (potential and existing customers, Realtors, etc.) primarily on sales calls outside the office, as well as internal contacts (other Bank personnel). Will interact with individuals and teams internally and within the assigned community, developing new relationships and maintaining existing relationships. Responsible for establishing and maintaining federal registration requirements outlined in the SAFE Act. **Supervisory/ Managerial Responsibilities:** None. **Education and Experience Required:** Associates degree and 2 years sales experience, OR in lieu of a degree, A combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience. \#LI-111 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $26.00 - $43.34 Hourly (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 M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

is seeking candidates in the Phoenix, AZ or Los Angeles, CA metropolitan areas**** As the **Business Development Officer - Capital Finance** , you will be responsible for originating loans consistent with the Company's credit policy; negotiating price and structure of new transactions within set limits; reviewing and approving all transactions before reporting to Executive Management; initiating and maintaining relationships with referral sources and influence centers; assisting in the underwriting process of new client proposals from prospect to client funding; and seeking approval from Executive Management for new client transactions. This key position reports to the EVP/National Marketing Manager and has access to company financial, market, client, and personnel information. . You will market to current and potential referral sources including, but not limited to, the following: Banks, Certified Public Accountants, Attorneys, Private Equity firms, financial firms, Business brokers, and National organizations. You will also visit prospective clients, as well as produce reports needed for new prospects and attend regularly scheduled meetings. **How you'll spend your time:** + You will be responsible for originating loans consistent with the Company's credit policy + You will be negotiating price and structure of new transactions within set limits + You will be reviewing and approving all transactions before presenting report to Executive Management + You will be initiating and maintaining relationships with referral sources and influence centers + You will be assisting in the underwriting process of new client proposals from prospect to client funding + You will be seeking approval from Executive Management for new client transactions + You will market to current and potential referral sources including, but not limited to, the following: Banks, Certified Public Accountants, Attorneys, Private Equity firms, Financial firms, Business brokers, and National organizations + You will visit prospective clients + You will produce reports needed for new prospects and attends regularly scheduled meetings + Other duties as assigned **We're excited to talk with you if:** + You possess a bachelor's Degree or equivalent work experience + You have 3 years credit experience with 3 years sales experience in a banking, finance or asset-based lending environment + You demonstrate knowledge and experience in the use of marketing tools and methods, including mailings, telemarketing, and other forms of customer outreach + You have the ability to make independent and sound judgments and decisions and have an understanding of how decisions affect business lines and the organization as a whole + You can read and interpret financial and budgetary documents + You possess professional verbal and written communication skills + You are analytical, highly organized, pay attention to detail, handle frequent interruptions with ease, and enjoy a fast-paced work environment + You can meet firm timelines and work under pressure + You show self-motivation and a sense of urgency + You demonstrate intermediate to advanced skills in Microsoft Excel and Word **Compensation Range:** $157,500.00 - $292,572.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB