Relationship Manager jobs at Valley National Bank

Responsibilities include but are not limited to: Assist the Relationship Manager with their customer portfolios. Monitor and report changes in credit quality. Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority. Prepare and issue term sheet and commitment letters. Attend loan closings to ensure loans are properly closed. Follow past due payments and overdrafts. Ensure that lines of credit are renewed in a timely fashion. Obtain customer renewal term agreement and negotiate any differences. Respond to customer needs in a timely fashion. Ensure that customer requests with other departments are being properly followed, clearing all service issues. Oversee proper handling of customer transactions such as advances, payments, wire transfer, etc. Ensure that the bank is in possession of current financial information and that the information has been properly analyzed and on file and that proper and complete credit files are on hand. Provide reports of information as required. Review documentation prepared by legal counsel as to their accuracy meeting all requirements of loan requests. Provide problem resolution. Assure that credits are accurately risk rated and credits are properly monitored and reported. Create and maintain current BSA Information. Adhere and comply with all requirements of watch list and EDD procedures.

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.LocationClanton, Alabama, United States of America

As part of the Loan Market Solutions Division, the CLO & Loan Administration team provides trustee & custodian services to sophisticated loan asset managers. Wilmington is responsible for tracking and maintaining all daily activity including the collection of payments and investor waterfall distributions. Additionally, the team monitors and reports on various portfolio compliance requirements related to the underlying portfolio asset attributes. Join our dynamic experienced team focused on enhancing overall client experience through technology and continuous process improvement. Candidates who are interested in a fast-paced environment with career advancement opportunities should apply. Primary Responsibilities: Continuous reassessment and evaluation of processes is engrained in the team's DNA. We take a collaborative approach to identifying, assessing, developing, and implementing solutions across the platform. Additionally, we anticipate special projects and initiatives to be a regular occurrence for team members to participate in. You'll gain experience by: Responsible for acting as single point of contact for key client relationships Collaborate with operations and analytics teams to meet client objectives and deliverables Collaborate with Business Development/Sales to secure new client mandates Ability to interpret CLO indentures, credit agreements and various other structured finance documentation Responsible for managing client onboarding including account opening process, KYC procedures and documentation review Ability to calculate and verify compliance testing and waterfall calculations Perform and interpret hypothetical trade testing Perform monthly and quarterly reconciliations for required reporting including CLOs, SMAs and Borrowing Base Facilities Liaise with auditors, underwriters, CLO managers, investors, private debt managers and various other parties involved Exposure across entire lifecycle of servicing loan clients including account setup, KYC procedures, global asset setup & maintenance, notice processing, warehouse reporting, CLO / Compliance Reporting & waterfall payments Understanding and adhering 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. Promoting an environment that supports diversity and reflects the M&T Bank brand. Maintaining M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. Completing other related duties as assigned. Education and Experience Required: Combined minimum of 3 years higher education and/or work experience independently and collaboratively across the organization. Advanced Microsoft Office Skills Strong analytical and problem-solving skills Excellent written and verbal communication skills for both an internal and external audience Ability to thrive in an entrepreneurial, fast-paced growth environment Education and Experience Preferred: Bachelor's degree focused on Finance, Business, Economics or Accounting and a minimum of 5 with direct client contact years' relevant work experience Exceptional organizational skills with an attention to detail Excellent interpersonal and analytical skills with a strong balance of qualitative and quantitative skills Demonstrated ability to work as part of a team, as well as contribute on an individual basis Familiarity with various loan products - Bi-Lateral ABL Facilities, SMAs, Private Funds, MM & BSL CLOs, Business Development Companies Professional work experience at CLO Trustee, Loan Agent/Bank, Middle Office Provider or CLO Manager System / Application experience - Clearpar, Solvas/CDO Suite, SEI, Wall Street Office, LoanIQ At M&T Bank, we make a difference in people's lives. For more than 160 years, we've been providing our customers with guidance and financial solutions, leading our communities through challenges and growth opportunities, and empowering our employees to build purpose-driven careers. Our talent and culture set us apart. Our core values drive the work we do - integrity, ownership, collaboration, curiosity, candor. We seek to further build upon our record of success by bringing in diverse talents and fresh skill sets while supporting the growth and development of all team members. At M&T, we are a talent and people driven organization. Take a peek inside M&T's Human Capital Report to learn how it feels to be one of our 17,000+ employees. We are constantly renewing. Our future success relies on our ability to understand what's important to our customers and use that understanding to build new and innovative customer experiences. We support our employees every step of the way. Competitive compensation Full medical & dental benefits, Heath Savings & Flexible Spending Accounts, and life/disability insurance Generous paid time off (PTO) plus 11 paid holidays and an option to buy additional PTO 401(k) match at 5% with options for Roth and discretionary employer contributions A deep commitment to equity, including 14 resource group charters, a D&I sponsorship program, 40 annual paid volunteer hours and more Various options for tuition assistance, paid parental leave, stock purchase, wellness and employee discounts Position may be based anywhere throughout the U.S. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $97,100.00 - $161,800.00 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

Responsible for developing and managing a portfolio of auto, boat, and RV dealers/dealer group(s) with highly complex lending and financial requirements. Establishes/strengths relationships with these major large dollar amount dealership/dealer groups while promoting financial products, services and opportunities intended to improve their profitability with minimal risk to M&T Bank. Adheres to pricing and credit policies while soliciting new business, and servicing existing business. Location: This position will cover territory in Georgia and some surrounding states. The selected candidate must sit within this market or must be willing to relocate as this role will require regular travel to new and existing clients within the market. Primary Responsibilities: Services customers seeking loan and/or deposit relationships with the Bank, interviewing applicants to develop information concerning their businesses and requirements, evaluating credit information and making relationship recommendations. Participates and assesses the effectiveness of formal call program(s) targeting new loan and deposit business. Evaluate requests for dealer commercial services, commercial real estate, and commercial loan financing for auto, boat, and RV dealers. Also evaluates loan requests for dealer principals and partners. Analyze each applicant's financial condition, cash flow, and credit history in order to make appropriate loan decisions within lending guidelines. Approve loans up to maximum lending authority; prepares and presents loan requests to senior credit officers and credit committees when appropriate. Keep abreast of the industry, follows market trends and developments etc. and develop/implement strategies that will increase the Bank's business in saturated, developing and emerging markets. Establish and maintain contacts in the professional services community (accountants, attorneys) and within industry organizations (NADA, etc). Work with Sales Managers and Credit Managers to gather information and receive recommendations on potential customers. Works closely with Sales Managers and Credit Manager to structure and price credits in order to maximize the bank's return while minimizing risk. Maximizes the Department's profitability through the maintenance of a high quality loan portfolio. Follows current loans to ensure conformity with terms; maintains current and complete credit file. Has credit authority within established limit. Responsible for assisting Sales Managers and Credit Manager with the renewal of credits. Monitor customer deposit accounts. Monitor Dealer commercial services audits and dealer commercial services statements to ensure compliance. Understand product pricing and cost structure, as well as understand and manage product risk. Provide guidance and technical knowledge to less experiences dealer commercial services relationship managers. 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: Results and/or actions impact the Bank's annual operations, revenues or profitability. Scope of Responsibilities: May mentor and/or supervise lower level Relationship Managers. Education and Experience Required: Bachelor's Degree and minimum of 7 years Dealer Commercial Services and/or Commercial Lending experience or in lieu of a degree, a combined minimum of 11 years higher education and/or work experience to include a minimum of 7 years Dealer Commercial Services and/or Commercial Lending experience. Education and Experience Preferred: Master's degree. Superior relationship management, sales, and business development skills required. Must possess strong credit analysis and commercial lending skills. Strong knowledge of financial statements, tax returns, and credit reports. Thorough knowledge of bank/PC software programs utilized by the department. Excellent presentation skills. Strong negotiation skills. Superior organizational, written and verbal communication, and presentation skills. Strong ability to handle conflict without alienating people. Ability to work with peers and gain their cooperation. Must possess the ability to interact professionally with all levels of personnel. Demonstrated leadership skills in prior roles. Self-motivated, well-organized individual. Ability to work under critical time constraints. #LI-111 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.LocationClanton, Alabama, United States of America

Value Proposition Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers. Overview This is an full-time, hybrid career opportunity that will be based out of our Mount Laurel, NJ location. Contribute to the profitability and growth of Fulton's commercial banking by building, developing and managing new and existing client relationships with businesses with revenue of $25-100 million dollars. Contribute to the profitability and growth of Fulton's commercial banking by building, developing and managing new and existing client relationships. Coordinate loan, deposit and fee income products and services appropriate to the needs of the client. Seek opportunities to network and develop key centers of influence. Identify and successfully capitalize on cross-sell opportunities with bank partners. Achieve and surpass established sales goals within risk tolerance constraints. Assumes responsibility for highly complex activity for commercial banking. Responsibilities Identify, source and develop prospective customers with lending, deposit and other financial service needs. Share the Fulton story and showcase the bank's products, services, and employees. Identify new loan, deposit and other financial service opportunities within existing client base during regular client meetings. Source opportunity, negotiate mutually agreeable terms, navigate the credit underwriting and approval process, document the loan and execute the closing. Remain close to customer and cooperatively counsel them to support business goals. Understand client's business model and cash flow. Serve as their primary contact for banking needs. Provide annual relationship reviews to understand client's needs and future plans in order to identify appropriate loan, deposit or other financial service opportunities. Use knowledge of business, finance, banking, credit, and risk management to identify, recommend, and promote solutions that best serve the client and ensure the profitability of the portfolio. Leverage knowledge of diverse types of businesses, industries, markets, financial and economic concepts, as well as creative marketing techniques, utilizing Fulton resources and materials to develop business network and prospects. Sustain long term relationships with a vast network of strategic partnerships across the region. Increase comprehensive understanding of current commercial products offered in the market and keep informed of all relevant industry trends and practices. Lead community events and expand involvement in community affairs and other centers of influence to promote the bank's image. Focus on driving continual improvement in portfolio revenue growth and new production revenue. Achieve and surpass established sales goals within risk tolerance constraints. Foster a collaborative team approach with Fulton Partners and Retail Relationship Managers to enhance client relationships. Exemplify the delivery of a superior customer experience. Participate in joint calling efforts for existing and prospective customers with Retail Relationship Managers, Fulton Partners and Senior Leadership. Keep sales platform consistently updated and uses the platform for client and opportunity coordination. Remain current on new tools that improve efficiency. Ensure credit review and risk rating practices are continuous, complete and accurate. Gather and review all required financial and related company, industry, management data to monitor ongoing credit worthiness and risk rating accuracy. Monitor management reports to address line reaffirmations, loan maturities, delinquencies, and exceptions. Contribute to the credit decisioning process, including analysis and interpretation of financial statements, credit structuring, underwriting requirements, policy knowledge, risk identification and mitigation. Establish action plans for troubled credits and/or work with Special Assets Department to resolve problem loans in an efficient manner to protect the bank's investment. Complete timely resolution to loan documentation and technical exceptions. Stay compliant with all regulatory and bank risk compliance matters. Provides mentoring and guidance to less seasoned Commercial Bankers. Additional Responsibilities May require business knowledge of specialized industries (i.e. Agriculture, Commercial Real Estate, Government Services, Community Banking, etc.) Qualifications Education Bachelor's Degree or the equivalent experience. Specialty: business management, finance, accounting or similar. (Required) Experience 9 or more years Commercial Credit, Commercial banking, Consumer, or Small Business experience. (Required) 4 or more years managing a large complex portfolio of clients. (Required) Knowledge, Skills, and Abilities Knowledge of diverse types of businesses, industries, markets, financial and economic concepts. (Required) Proven results in establishing new business relationships and retaining/growing existing business relationships. (Required) Self-directed ability using sound judgment and to navigate ambiguity to get things done. (Required) Proven success in leading strategic initiatives with ability to lead cross-functional teams, using advanced financial analysis skills. (Required) Strong command of credit and risk principles, mitigates, and banking policies/procedures. (Required) Excellent negotiation skills, demonstrated ability to influence others to achieve desired outcomes and leveraging technology to interact with clients effectively and efficiently. (Required) Excellent verbal and written communication skills demonstrated with individuals at all levels, internally and externally. (Required) Excellent organizational skills and the ability to manage, prioritize, work under pressure and meet tight deadlines. (Required) Ability to balance needs of clients with associated risks and interests of the company. (Required) Other Duties as Assigned by Manager This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management. Pay Transparency To provide greater transparency to candidates, we share base salary ranges on all job postings regardless of state. We set standard salary ranges for our roles based on the position, function, and responsibilities, as benchmarked against similarly sized companies in our industry. Specific compensation offered will be determined based on a combination of factors including the candidate's knowledge, skills, depth of work experience, and relevant licenses/credentials. The salary range may vary based on geographic location. The salary range for this position is $139,300.00 - $232,200.00 annually. Additional Compensation Components This job is eligible to receive equity in the form of restricted stock units. This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance. Benefits Additionally, as part of our Total Rewards program, Fulton Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account or health savings account depending on the medical plan chosen; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance coverage and maternity and parental leave; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about your potential eligibility for these programs, please visit Benefits & Wellness | Fulton Bank. EEO Statement Fulton Bank (“Fulton”) is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status. Sponsorship Statement As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future.

Value Proposition Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers. Overview This is a full-time, on-site, hybrid career opportunity based out of one of Fulton Bank work locations in Southern NJ. Specific work Location to be determined. The primary responsibility of this position is to provide financial guidance and relationship management for affluent consumer clients in the assigned banking region, maximizing household wallet share across all FFC products and services (investment, consumer credit, deposit, residential mortgage), and increasing bank household market share. This position will also be responsible for coordinating and increasing client introductions, and sourcing business for other FFA business lines (Wealth Management, Retirement Services and Charitable Services), in their assigned region. This position will require frequent travel. Responsibilities * Develop and execute a successful sales strategy in collaboration with consumer and commercial sales partners to engage with existing affluent and high net worth households. * Utilize goal-based financial planning and account aggregation software in order to deliver consultative financial product and service solutions, and achieve sales and customer experience goals/targets as assigned. * Partner with internal FFA team members and relationship teams (Wealth Advisors, PM's, FA's, FMC LO's, other PB's, FFA product specialists) to maximize household FFA fee business and overall FB product wallet share. * Develop external referral networks and centers of influence for new client opportunities. Qualifications Education Bachelor's Degree or the equivalent experience. Specialty: Business or other applicable. (Required) Experience 3 or more years Banking and/or Financial Services Sales. (Required) Certifications FINRA certification (must obtain within 2 years of hire). (Preferred) Other Duties as Assigned by Manager This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management. Pay Transparency To provide greater transparency to candidates, we share base salary ranges on all job postings regardless of state. We set standard salary ranges for our roles based on the position, function, and responsibilities, as benchmarked against similarly sized companies in our industry. Specific compensation offered will be determined based on a combination of factors including the candidate's knowledge, skills, depth of work experience, and relevant licenses/credentials. The salary range may vary based on geographic location. The salary range for this position is $63,000.00 - $105,000.00 annually. Additional Compensation Components This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance. Benefits Additionally, as part of our Total Rewards program, Fulton Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account or health savings account depending on the medical plan chosen; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance coverage and maternity and parental leave; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about your potential eligibility for these programs, please visit Benefits & Wellness | Fulton Bank. NMLS This position may require incumbent to be registered in the Nationwide Mortgage Licensing System and Registry. Incumbents who are required to register will be notified in writing. EEO Statement Fulton Bank ("Fulton") is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status. Sponsorship Statement As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future.

Value Proposition Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers. Overview This is a full-time, on-site, hybrid career opportunity based out of one of Fulton Bank work locations in Southern NJ. Specific work Location to be determined. The primary responsibility of this position is to provide financial guidance and relationship management for affluent consumer clients in the assigned banking region, maximizing household wallet share across all FFC products and services (investment, consumer credit, deposit, residential mortgage), and increasing bank household market share. This position will also be responsible for coordinating and increasing client introductions, and sourcing business for other FFA business lines (Wealth Management, Retirement Services and Charitable Services), in their assigned region. This position will require frequent travel. Responsibilities Develop and execute a successful sales strategy in collaboration with consumer and commercial sales partners to engage with existing affluent and high net worth households. Utilize goal-based financial planning and account aggregation software in order to deliver consultative financial product and service solutions, and achieve sales and customer experience goals/targets as assigned. Partner with internal FFA team members and relationship teams (Wealth Advisors, PM's, FA's, FMC LO's, other PB's, FFA product specialists) to maximize household FFA fee business and overall FB product wallet share. Develop external referral networks and centers of influence for new client opportunities. Qualifications Education Bachelor's Degree or the equivalent experience. Specialty: Business or other applicable. (Required) Experience 3 or more years Banking and/or Financial Services Sales. (Required) Certifications FINRA certification (must obtain within 2 years of hire). (Preferred) Other Duties as Assigned by Manager This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management. Pay Transparency To provide greater transparency to candidates, we share base salary ranges on all job postings regardless of state. We set standard salary ranges for our roles based on the position, function, and responsibilities, as benchmarked against similarly sized companies in our industry. Specific compensation offered will be determined based on a combination of factors including the candidate's knowledge, skills, depth of work experience, and relevant licenses/credentials. The salary range may vary based on geographic location. The salary range for this position is $63,000.00 - $105,000.00 annually. Additional Compensation Components This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance. Benefits Additionally, as part of our Total Rewards program, Fulton Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account or health savings account depending on the medical plan chosen; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance coverage and maternity and parental leave; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about your potential eligibility for these programs, please visit Benefits & Wellness | Fulton Bank. NMLS This position may require incumbent to be registered in the Nationwide Mortgage Licensing System and Registry. Incumbents who are required to register will be notified in writing. EEO Statement Fulton Bank (“Fulton”) is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status. Sponsorship Statement As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future.

Senior Relationship Manager for CSG - Corporate Mortgage Finance, will be an integral component to the building out of the Corporate Mortgage Finance Group vertical for Huntington Bank and will serve as a point person in determining the customer's needs, meeting them through the seamless delivery of the bank's products, services and associated resources. You will personally originate, service and maintain an assigned Commercial Loan Portfolio within the Corporate Mortgage Finance Group; work collaboratively with the group's RM Team Lead, other Banker/RMs, Portfolio Managers and other internal colleagues to support current and prospective client relationship growth. The Senior Relationship Manager requires a proven track record of success in industry relevant commercial business development and cross-bank relationship building, strong client relationship risk management experience with deep and specific knowledge of the industry and sub-sectors assigned to be covered for the group; proven negotiation and communication skills, strong evidence of collaboration, and the ability to thrive in a fast-paced environment, managing a portfolio of clients while generating new business. This position reports to the RM Team Lead, or another senior leader determined by the Head of the group. Note: This position is open to remote work. In this role, as a Senior Relationship Manager, you will be performing the following responsibilities: Deliver on team and personal growth strategies to attract and retain an increasing number of clients for Corporate Mortgage Finance and across the bank. Execute upon senior management approved team strategy to meet assigned goals, mitigate and maintain risk oversight of the assigned credit relationships; operate at a level of proficiency to become a critical member of the CMF group. Ensure all team members, relationships and transactions in your assigned portfolio are in strategic alignment with the risk profile and credit policies of the Bank, including all front-end guidance and senior management directives. Initiate and deepen client relationships by leveraging capabilities in other areas of the bank (e.g., CSG, commercial banking, capital markets), thereby gaining market share and developing new areas of opportunity across the bank's footprint. Monitor and provide needed analysis, action plans and successful implementation of new and existing credit portfolio to identify trends and opportunities, including but not limited to: Sourcing additional cross-sell and relationship deepening opportunities Stress Testing/Forecasting/Concentration Analysis Macroeconomic and industry evaluations Conduct portfolio reviews with RM Team Lead and portfolio management Manage special projects as assigned in coordination with management Maintain up-to-date knowledge of market/industry trends and keep management fully informed on all key factors of the bank, the portfolio, client relationships, market trends and the competitive environment. Credit Performance: Responsible for maintaining acceptable levels of credit quality of an assigned portfolio consistent with the Bank and CMFG credit policies, procedures, and guidelines. The Sr. RM will ensure the following: Satisfactory loan review, audit and OCC review results of all assigned credit relationships. Immediate and concise communication of actual or potential counter-party performance, compliance or facility level credit or operational problems. Effective oversight and active surveillance of assigned facilities, potential or identified deteriorating credit risk profile situations, and actively remain engaged in working through any problem accounts, along with other internal and external parties at management's direction. Non-credit risk management and mitigation, including effective and proper collaboration with other internal team members involved with each specific client relationship Ensure the Risk Grading accuracy of assigned portfolio and provide timely recommendations of potential re-grades when appropriate. Additional Responsibilities: Build relationships and deliver new business development results in the CMFG space. Coverage areas include: Mortgage Servicing Assets(“MSAs), ie. MSR financing, Servicing Advance Facilities, Early Buyout lines and related collateral/financing structures. Mortgage Warehouse Financing, including residential agency, non-agency, Non-QM; business purpose and multi-family collateral/financing structures Originate and participate in the structure, underwrite, the closing processes for direct lend bilateral and/or syndicated, complex MSA credit facilities, as well as warehouse lines and other mortgage related asset-backed and SPE collateralized credit facilities. Be a key member of an assigned deal team with responsibility for the preparation and successful presentation of credit approval memorandums and recommendations in compliance with CMFG and bank requirements, acceptable to CMFG leadership and the appropriate level of first- and second-line credit administration. This includes new credit requests, modification requests, annual reviews, renewals, portfolio reviews and criticized asset reviews Review and negotiate loan documentation in consultation with legal counsel, the RM Team Lead Underwriter/Portfolio Manager and CMFG leadership Manage a portfolio of commercial customers in partnership with the assigned UW/Portfolio Manager Manage risk on an ongoing basis by monitoring customer creditworthiness and facility covenant and compliance, adherence to loan terms and general business conditions, etc. Originate, analyze, structure and close profitable loan transactions. Maintain and confirm credit worthiness of customers. Gather, review and track appropriate documentation from applicants. Make appropriate decisions on matters within own authority levels and appropriately escalate matters needing higher level involvement. Participate in the underwriting of loan requests for new and existing customers. Due diligence would include verifying financial information provided, analyzing financial statements, conducting credit checks and assuring loan meets all policy and regulatory requirements. Promote and cross-sell other bank products and services as appropriate to customer requirements. Keep management fully informed on all key factors of the bank, the portfolio, client relationships, and the competitive environment. Ensure timely and accurate upline communication and visibility of material market and current and prospective client related topics Promote the organization's values, encourage superior performance, and reward revenue growth and productivity through appropriate incentives. Basic Qualifications: Bachelor's Degree or 5 or more years industry equivalent experience 5+ years' experience in mortgage related asset-backed lending experience. Preferred Qualifications: Proven ability to lead strategic client dialogue and business development/relationship management. 7+ years' experience working directly as a Mortgage Finance Relationship Manager with deep subject matter expertise, with experience with complex Mortgage Warehouse and MSA-related transactions Extensive network of relationships with middle market and large target market clients and referral sources Proven ability to generate revenue growth through new client acquisition and cross-selling other banking services, including capital markets, treasury management, wealth management Excellent communication, organization and project management skills and ability to articulate and demonstrate thoughtful rationale in design decisions Ability to analyze corporate financial statements, client business needs and make appropriate recommendations on credit structure and facility terms. Must have knowledge of the Capital Markets (Debt and Equity) and understand how to succeed in a multi-bank/syndicated credit facility environment. Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay) Yes Workplace Type: Office Our Approach to Office Workplace Type Certain positions outside our branch network may be eligible for a flexible work arrangement. We're combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team. Compensation Range: $93,000.00 - $189,000.00 Annual Salary The compensation range represents the low and high end of the base compensation range for this position. Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan. In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO). Huntington is an Equal Opportunity Employer. Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details. Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.

Responsible for an assigned portfolio of the most complex and or large dollar amount loan and/or deposit relationships with major businesses in the community. Solicits new business, cross sells, administers and services existing business relationships. Primary Responsibilities: Services customers seeking loan and/or deposit relationships of large dollar amounts and of high complexity with the Bank, interviews applicants to develop information concerning their businesses and requirements, evaluates credit information and makes relationship recommendations. Maximizes the Department's profitability through the maintenance of a high quality loan portfolio. Follows current loans to ensure conformity with terms; maintains current and complete credit file. Participates in a formal call program to develop new loan, deposit and fee based business. Follows market trends and developments to increase the Bank's business in established and developing markets. Represents the Bank in civic and community activities. Scope of Responsibilities: Services customers seeking loan and/or deposit relationships of large dollar amounts and of high complexity. Manage and retain existing clients. Works closely with internal contacts to service clients. Supervisory/ Managerial Responsibilities: May coach/mentor junior relationship managers. Education and Experience Required: Bachelors Degree or four years relevant experience. Minimum of seven years commercial portfolio management experience. Financial analysis and knowledge of banking credit principals. General knowledge of banking and the Bank's various commercial fee based products. Applied knowledge of Bank policies and procedures. Excellent communication and interpersonal skills with the ability to interact with all levels of personnel using diplomacy. Ability to sell effectively to prospects and clients. Excellent presentation skills. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $150,800.00 - $251,300.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationParamus, New Jersey, United States of America

Manages client relationships and daily administration of assigned Global Capital Markets (GCM) accounts of varying complexity and importance, including all administrative, operational and risk management activities for GCM transactions. Serves as main point of contact with the client and internal and external service partners to follow short and long-term strategies to achieve sustainable earnings growth and compliance with Bank and Division strategic plans. Manages daily administration of assigned transactions, including delivering exceptional service to clients, ensuring all internal controls are satisfied. Works with internal partners as appropriate. Primary Responsibilities: Monitor relevant administrative and operational systems, databases and activity related to accounts of moderate to significant intricacy, complexity and level of risk, to ensure accounts are setup and operating within established policies, procedures and guidelines. Review, analyze and provide comments to counsel related to negotiation and drafting of operative documents and agreements for assigned accounts. Coordinate activities related to monitoring risks and ensuring regulatory compliance for assigned accounts with Legal, Risk, Compliance and/or Audit as required. Research and resolve issues related to control and client service aspects of assigned accounts in a timely manner to maintain customer satisfaction, working with appropriate internal and external resources as required. Work with external parties, including attorneys, financial advisors, interested parties and alliance/service partners, to structure and close GCM transactions in a timely manner. Complete various account administration activities of moderate to significant intricacy, complexity and risk including, timely cash flow execution and fee billing, internal and external reporting and tickler processing. Participate, along with GCM Sales, in sales calls to current and prospective clients, either in-person or over the phone and prepare fee proposals to support new business opportunities. Evaluate fees for suitability and conformance with fee schedules. Partner with Fee Billing to monitor and timely collect aged receivables. Manage relationships, cultivating current and prospective clients and referral sources to uncover opportunities and potential sources of new business including representing GCM at transaction closings, attending and chairing client meetings and presentations and preparing relevant documentation to support the attraction, retention and expansion of client relationships. Identify areas, based on transaction knowledge and fees charged, where revenues can be increased by charging additional fees when services change; advise management of these opportunities. Implement approved fee increases, fee discounts and waivers as identified or instructed and per established controls and procedure. Provide coverage and support for other Relationship Mangers within assigned Section/Unit as required by absence. Represent GCM and/or lead departmental projects and Corporate initiatives on a periodic basis. Assist management with the development and operation of business products and processes. May supervise and/or mentor less experience associates. 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. Education and Experience Required: Bachelor's degree and a minimum of 2 years' client service experience in Global Capital Markets products or markets, OR in lieu of a degree, A combined minimum of 6 years' higher education and/or work experience, including a minimum of 2 years' client service experience in Global Capital Markets products or markets High level of proficiency with personal computers as well as pertinent software Prior experience reading, analyzing and interpreting legal documents Prior experience calculating amounts such as discounts, interest, commissions and percentages Familiarity with corporate structures, relevant laws and regulations Proven problem-solving skills Strong verbal and written communication skills Strong analytical skills Education and Experience Preferred: CCTS (Certified Corporate Trust Specialist) certification Working knowledge of pertinent specialized internal software applications Managerial or leadership experience Demonstrated sense of ownership in jobs or projects M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $96,572.54 - $160,954.23 (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationIselin, New Jersey, United States of America

Responsible for an assigned portfolio of loan and deposit relationships with small business clients. Solicit new business, manage risk and credit decisions, and service existing clients through the bank's relationship management program. Work with branch partners to effectively sell to the business customer and cross sell other bank products. Primary Responsibilities: Develop new banking relationships with business prospects. Service existing business banking client base. 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. Manage the segment's more complicated and important loan relationships. 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. Achieve sales goals with minimum expectations as follows: Revenue of $300M to $500M. Loan production of $7.5MM to $12MM. Deposit balance production of $750M to $2.5MM. Manage loan portfolio of $15MM to $40MM. Oversee approximately 30 to 65 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. Scope of Responsibilities: Ability to sell effectively to prospects and clients. Manage and retain existing clients. Work closely with internal contacts to service clients. Works under moderate supervision. Supervisory/ Managerial Responsibilities: May or may not have supervisory or mentoring responsibilities. Education and Experience Required: Bachelor's degree or 3-5 years of relevant work experience 5 plus years experience. Knowledge of personal computers and the software utilized by the department Ability to read and analyze financial statements and tax returns. Strong credit skills necessary to evaluate loan requests. 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. Strong interpersonal and presentation skills required. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $119,400.84 - $199,001.40 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationFlorham Park, New Jersey, United States of America

Responsible for an assigned portfolio of loan and deposit relationships with small business clients. Solicit new business, manage risk and credit decisions, and service existing clients through the bank's relationship management program. Work with branch partners to effectively sell to the business customer and cross sell other bank products. Primary Responsibilities: Develop new banking relationships with business prospects. Service existing business banking client base. 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. Manage the segment's more complicated and important loan relationships. 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. Achieve sales goals with minimum expectations as follows: Revenue of $300M to $500M. Loan production of $7.5MM to $12MM. Deposit balance production of $750M to $2.5MM. Manage loan portfolio of $15MM to $40MM. Oversee approximately 30 to 65 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. Scope of Responsibilities: Ability to sell effectively to prospects and clients. Manage and retain existing clients. Work closely with internal contacts to service clients. Works under moderate supervision. Supervisory/ Managerial Responsibilities: May or may not have supervisory or mentoring responsibilities. Education and Experience Required: Bachelor's degree or 3-5 years of relevant work experience 5 plus years experience. Knowledge of personal computers and the software utilized by the department Ability to read and analyze financial statements and tax returns. Strong credit skills necessary to evaluate loan requests. 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. Strong interpersonal and presentation skills required. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $119,400.84 - $199,001.40 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationFlorham Park, New Jersey, United States of America

Senior Relationship Manager for CSG - Corporate Mortgage Finance , will be an integral component to the building out of the Corporate Mortgage Finance Group vertical for Huntington Bank and will serve as a point person in determining the customer's needs, meeting them through the seamless delivery of the bank's products, services and associated resources. You will personally originate, service and maintain an assigned Commercial Loan Portfolio within the Corporate Mortgage Finance Group; work collaboratively with the group's RM Team Lead, other Banker/RMs, Portfolio Managers and other internal colleagues to support current and prospective client relationship growth. The Senior Relationship Manager requires a proven track record of success in industry relevant commercial business development and cross-bank relationship building, strong client relationship risk management experience with deep and specific knowledge of the industry and sub-sectors assigned to be covered for the group; proven negotiation and communication skills, strong evidence of collaboration, and the ability to thrive in a fast-paced environment, managing a portfolio of clients while generating new business. This position reports to the RM Team Lead, or another senior leader determined by the Head of the group. Note: This position is open to remote work. In this role, as a Senior Relationship Manager, you will be performing the following responsibilities: + Deliver on team and personal growth strategies to attract and retain an increasing number of clients for Corporate Mortgage Finance and across the bank. + Execute upon senior management approved team strategy to meet assigned goals, mitigate and maintain risk oversight of the assigned credit relationships; operate at a level of proficiency to become a critical member of the CMF group. + Ensure all team members, relationships and transactions in your assigned portfolio are in strategic alignment with the risk profile and credit policies of the Bank, including all front-end guidance and senior management directives. + Initiate and deepen client relationships by leveraging capabilities in other areas of the bank (e.g., CSG, commercial banking, capital markets), thereby gaining market share and developing new areas of opportunity across the bank's footprint. + Monitor and provide needed analysis, action plans and successful implementation of new and existing credit portfolio to identify trends and opportunities, including but not limited to: + Sourcing additional cross-sell and relationship deepening opportunities + Stress Testing/Forecasting/Concentration Analysis + Macroeconomic and industry evaluations + Conduct portfolio reviews with RM Team Lead and portfolio management + Manage special projects as assigned in coordination with management + Maintain up-to-date knowledge of market/industry trends and keep management fully informed on all key factors of the bank, the portfolio, client relationships, market trends and the competitive environment. Credit Performance: Responsible for maintaining acceptable levels of credit quality of an assigned portfolio consistent with the Bank and CMFG credit policies, procedures, and guidelines. The Sr. RM will ensure the following: + Satisfactory loan review, audit and OCC review results of all assigned credit relationships. + Immediate and concise communication of actual or potential counter-party performance, compliance or facility level credit or operational problems. + Effective oversight and active surveillance of assigned facilities, potential or identified deteriorating credit risk profile situations, and actively remain engaged in working through any problem accounts, along with other internal and external parties at management's direction. + Non-credit risk management and mitigation, including effective and proper collaboration with other internal team members involved with each specific client relationship + Ensure the Risk Grading accuracy of assigned portfolio and provide timely recommendations of potential re-grades when appropriate. Additional Responsibilities: + Build relationships and deliver new business development results in the CMFG space. Coverage areas include: + Mortgage Servicing Assets("MSAs), ie. MSR financing, Servicing Advance Facilities, Early Buyout lines and related collateral/financing structures. + Mortgage Warehouse Financing, including residential agency, non-agency, Non-QM; business purpose and multi-family collateral/financing structures + Originate and participate in the structure, underwrite, the closing processes for direct lend bilateral and/or syndicated, complex MSA credit facilities, as well as warehouse lines and other mortgage related asset-backed and SPE collateralized credit facilities. + Be a key member of an assigned deal team with responsibility for the preparation and successful presentation of credit approval memorandums and recommendations in compliance with CMFG and bank requirements, acceptable to CMFG leadership and the appropriate level of first- and second-line credit administration. This includes new credit requests , modification requests, annual reviews, renewals, portfolio reviews and criticized asset reviews + Review and negotiate loan documentation in consultation with legal counsel , the RM Team Lead Underwriter/Portfolio Manager and CMFG leadership + Manage a portfolio of commercial customers in partnership with the assigned UW/Portfolio Manager + Manage risk on an ongoing basis by monitoring customer creditworthiness and facility covenant and compliance, adherence to loan terms and general business conditions, etc. + Originate, analyze, structure and close profitable loan transactions. + Maintain and confirm credit worthiness of customers. Gather, review and track appropriate documentation from applicants. Make appropriate decisions on matters within own authority levels and appropriately escalate matters needing higher level involvement. + Participate in the underwriting of loan requests for new and existing customers. Due diligence would include verifying financial information provided, analyzing financial statements, conducting credit checks and assuring loan meets all policy and regulatory requirements. + Promote and cross-sell other bank products and services as appropriate to customer requirements. + Keep management fully informed on all key factors of the bank, the portfolio, client relationships, and the competitive environment. + Ensure timely and accurate upline communication and visibility of material market and current and prospective client related topics + Promote the organization's values, encourage superior performance, and reward revenue growth and productivity through appropriate incentives. Basic Qualifications: + Bachelor's Degree or 5 or more years industry equivalent experience + 5+ years' experience in mortgage related asset-backed lending experience. Preferred Qualifications: + Proven ability to lead strategic client dialogue and business development/relationship management. + 7+ years' experience working directly as a Mortgage Finance Relationship Manager with deep subject matter expertise, with experience with complex Mortgage Warehouse and MSA-related transactions + Extensive network of relationships with middle market and large target market clients and referral sources + Proven ability to generate revenue growth through new client acquisition and cross-selling other banking services, including capital markets, treasury management, wealth management + Excellent communication, organization and project management skills and ability to articulate and demonstrate thoughtful rationale in design decisions + Ability to analyze corporate financial statements, client business needs and make appropriate recommendations on credit structure and facility terms. + Must have knowledge of the Capital Markets (Debt and Equity) and understand how to succeed in a multi-bank/syndicated credit facility environment. Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay) Yes Workplace Type: Office Our Approach to Office Workplace Type Certain positions outside our branch network may be eligible for a flexible work arrangement. We're combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team. Compensation Range: $93,000.00 - $189,000.00 Annual Salary The compensation range represents the low and high end of the base compensation range for this position. Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan. In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO). Huntington is an Equal Opportunity Employer. Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details. Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.

RMSP: Relationship Manager Sales Training Program A six-month hybrid program that consists of 2-3 weekly virtual sessions and travel (25%) throughout the footprint once/month, for one week at a time. Comprehensive curriculum covering essential topics and skills related to the Business Banking Relationship Manager role. The training is targeted to ensure that participants will learn commercial-specific job knowledge thoroughly and efficiently, so that trainees are well prepared to reach their goals quickly; Classroom collaboration is a key aspect of the program Primary Responsibilities: * Participate in a combination of structured classroom sessions, web-based, and on-the-job practical training. * Will learn about the credit culture and commercial underwriting process while developing and refining relationship management skills. * Exposure to the banks sales culture when supporting commercial customer meetings. * Will develop call planning and execution skills. * Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. * Promote an environment that supports diversity and reflects the M&T Bank brand. * Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. * 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. * Complete other related duties as assigned; timely completion of weekly in-program and in-field assignments while also managing networking events, client calls, etc. Scope of Responsibilities: * Centralized training and program oversight will be done in Baltimore, MD or another designated location and will include periodic travel to other locations. * During the program, all trainees will learn about the credit culture and commercial underwriting process while developing and refining relationship management skills. * Trainees will be exposed to the banks sales culture when supporting commercial customer meetings. Additionally, participants will develop call planning and execution skills. * Heavy focus on project work, team collaboration, study groups, book clubs, etc. * RMSP trainees will also receive a significant amount of exposure to senior management throughout the program. (Need to be able to communicate horizontally and vertically) * The candidate will begin in a support role assisting more senior Relationship Managers in their credit and underwriting process and managing customer relationships within the bank. Eventually, successful trainees will be assigned a portfolio as well as sales goals and expectations. Education and Experience Required: * Bachelor's Degree in accounting, finance, economics or related business field and one year of sales-related experience with a demonstrated sales aptitude or in lieu of degree, a combined minimum of 5 years higher education and/or work experience. * Previous banking and sales experience highly recommended. * Demonstrated analytical and quantitative skills, with prior knowledge of accounting principles * Ability and willingness to travel (25%) overnight extensively during program. * Proficient with MS Office software. Education and Experience Preferred * Masters of Business Administration. * Previous experience in banking or financial services. * Experience in credit and/or underwriting * Demonstrated history of volunteerism including contribution to community/civic organizations and causes. * An ability to balance priorities and exhibit organizational skills to manage both individual and multiple team priorities. * Excellent communication and interpersonal skills with the ability to interact with all levels of personnel using tact and diplomacy. * Ability to quickly master the bank's technology and systems. #LI-WR1 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $19.00 - $47.09 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. Location Philadelphia, Pennsylvania, United States of America

**RMSP:** **Relationship Manager Sales Training Program** A six-month hybrid program that consists of 2-3 weekly virtual sessions and travel (25%) throughout the footprint once/month, for one week at a time. Comprehensive curriculum covering essential topics and skills related to the Business Banking Relationship Manager role. The training is targeted to ensure that participants will learn commercial-specific job knowledge thoroughly and efficiently, so that trainees are well prepared to reach their goals quickly; Classroom collaboration is a key aspect of the program **Primary Responsibilities:** + Participate in a combination of structured classroom sessions, web-based, and on-the-job practical training. + Will learn about the credit culture and commercial underwriting process while developing and refining relationship management skills. + Exposure to the banks sales culture when supporting commercial customer meetings. + Will develop call planning and execution skills. + Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. + Promote an environment that supports diversity and reflects the M&T Bank brand. + Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. + 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. + Complete other related duties as assigned; timely completion of weekly in-program and in-field assignments while also managing networking events, client calls, etc. **Scope of Responsibilities:** + Centralized training and program oversight will be done in Baltimore, MD or another designated location and will include periodic travel to other locations. + During the program, all trainees will learn about the credit culture and commercial underwriting process while developing and refining relationship management skills. + Trainees will be exposed to the banks sales culture when supporting commercial customer meetings. Additionally, participants will develop call planning and execution skills. + Heavy focus on project work, team collaboration, study groups, book clubs, etc. + RMSP trainees will also receive a significant amount of exposure to senior management throughout the program. (Need to be able to communicate horizontally and vertically) + The candidate will begin in a support role assisting more senior Relationship Managers in their credit and underwriting process and managing customer relationships within the bank. Eventually, successful trainees will be assigned a portfolio as well as sales goals and expectations. **Education and Experience Required:** + Bachelor's Degree in accounting, finance, economics or related business field and one year of sales-related experience with a demonstrated sales aptitude or in lieu of degree, a combined minimum of 5 years higher education and/or work experience. + Previous banking and sales experience highly recommended. + Demonstrated analytical and quantitative skills, with prior knowledge of accounting principles + Ability and willingness to travel (25%) overnight extensively during program. + Proficient with MS Office software. **Education and Experience Preferred** + Masters of Business Administration. + Previous experience in banking or financial services. + Experience in credit and/or underwriting + Demonstrated history of volunteerism including contribution to community/civic organizations and causes. + An ability to balance priorities and exhibit organizational skills to manage both individual and multiple team priorities. + Excellent communication and interpersonal skills with the ability to interact with all levels of personnel using tact and diplomacy. + Ability to quickly master the bank's technology and systems. \#LI-WR1 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $19.00 - $47.09 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Philadelphia, Pennsylvania, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Responsibilities include but are not limited to: * Assist the Relationship Manager with their customer portfolios. * Monitor and report changes in credit quality. * Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority. * Prepare and issue term sheet and commitment letters. * Attend loan closings to ensure loans are properly closed. * Follow past due payments and overdrafts. * Ensure that lines of credit are renewed in a timely fashion. Obtain customer renewal term agreement and negotiate any differences. * Respond to customer needs in a timely fashion. * Ensure that customer requests with other departments are being properly followed, clearing all service issues. * Oversee proper handling of customer transactions such as advances, payments, wire transfer, etc. * Ensure that the bank is in possession of current financial information and that the information has been properly analyzed and on file and that proper and complete credit files are on hand. * Provide reports of information as required. * Review documentation prepared by legal counsel as to their accuracy meeting all requirements of loan requests. * Provide problem resolution. * Assure that credits are accurately risk rated and credits are properly monitored and reported. * Create and maintain current BSA Information. * Adhere and comply with all requirements of watch list and EDD procedures. Required Skills: * Knowledge of credit underwriting, basic accounting and loan documentation. * Proficient computer skills using Microsoft Word, Excel and Outlook. * Good level of interpersonal and social skills needed to interact with customers. * Good personal time management skills. * Good mathematical skills. * Ability to manage account relationships. * Good credit skills. * Good administrative skills. * Ability to write reports and business correspondence. * Ability to effectively present information and respond to questions. Required Experience: * High School Diploma and a minimum of one year of account management or credit underwriting experience. * Community and/or industry involvement in territory. * Bachelor's degree preferred.

Responsibilities include but are not limited to: * Business development with a focus on acquisition of new clients and expanding relationships with existing clients. Respond quickly and effectively on all new business referrals from Senior Management, the branch network or other areas of the bank. * Develop network of external referral sources/centers of influence (COI's) in order to attract new clients. * Maintain, grow and service assigned portfolios and appropriately cross sell other bank products. Overall accountability for driving the profitability, quality, and growth of portfolio. * Negotiates terms (collateral, covenants, pricing and other components) of lending agreements with clients/prospects to properly structure and price credit facilities consistent with the bank's credit policies and lending practices. Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority. * Ensure that the bank is in possession of current financial information and that the information has been properly analyzed and on file. Monitor and report changes in credit quality. * Bears overall responsibility for the loan closing process and attends loan closings ensuring legal documents reflect all terms as agreed to by customer/prospect and approved by the bank, in addition to making sure required documents and signatures are in place for loan closing and to ensure loans are closed properly. Required Skills: * Excellent and effective interpersonal and presentation skills as well as written and verbal communication skills. Proven track record of prospecting new business and enhancing existing relationships. * Excellent ability to critically review, analyze and structure commercial loans, cross sell bank products, and attract new business through effective presentations and the ability to respond to questions. * Strong working knowledge of credit underwriting, basic accounting, and loan documentation. Formal credit training preferred. * Ability to work totally independently or as a team to achieve overall Departmental goals using sound judgement in decision making. * Proficient computer skills using Microsoft Word, Excel and Outlook as well as prospecting/tracking tools such as Salesforce, nCino or similar systems. * Familiarity with professional business practices (time management, communication and appearance). Required Experience: * High School Diploma or equivalent and a minimum of 7 years of related lending and/or credit experience with community and/or industry involvement in the area. * Valid driver's license. Bachelor's degree in Finance, Accounting or business related study and/or formal Commercial Credit training preferred.

Responsibilities include but are not limited to: Business development with a focus on acquisition of new clients and expanding relationships with existing clients. Respond quickly and effectively on all new business referrals from Senior Management, the branch network or other areas of the bank. Develop network of external referral sources/centers of influence (COI's) in order to attract new clients. Maintain, grow and service assigned portfolios and appropriately cross sell other bank products. Overall accountability for driving the profitability, quality, and growth of portfolio. Negotiates terms (collateral, covenants, pricing and other components) of lending agreements with clients/prospects to properly structure and price credit facilities consistent with the bank's credit policies and lending practices. Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority. Ensure that the bank is in possession of current financial information and that the information has been properly analyzed and on file. Monitor and report changes in credit quality. Bears overall responsibility for the loan closing process and attends loan closings ensuring legal documents reflect all terms as agreed to by customer/prospect and approved by the bank, in addition to making sure required documents and signatures are in place for loan closing and to ensure loans are closed properly.

Responsibilities include but are not limited to: * Business development with a focus on acquisition of new clients and expanding relationships with existing clients. Respond quickly and effectively on all new business referrals from Senior Management, the branch network or other areas of the bank. * Develop network of external referral sources/centers of influence (COI's) in order to attract new clients. * Maintain, grow and service assigned portfolios and appropriately cross sell other bank products. Overall accountability for driving the profitability, quality, and growth of portfolio. * Negotiates terms (collateral, covenants, pricing and other components) of lending agreements with clients/prospects to properly structure and price credit facilities consistent with the bank's credit policies and lending practices. Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority. * Ensure that the bank is in possession of current financial information and that the information has been properly analyzed and on file. Monitor and report changes in credit quality. * Bears overall responsibility for the loan closing process and attends loan closings ensuring legal documents reflect all terms as agreed to by customer/prospect and approved by the bank, in addition to making sure required documents and signatures are in place for loan closing and to ensure loans are closed properly. Required Skills: * Excellent and effective interpersonal and presentation skills as well as written and verbal communication skills. Proven track record of prospecting new business and enhancing existing relationships. * Excellent ability to critically review, analyze and structure commercial loans, cross sell bank products, and attract new business through effective presentations and the ability to respond to questions. * Strong working knowledge of credit underwriting, basic accounting, and loan documentation. Formal credit training preferred. * Ability to work totally independently or as a team to achieve overall Departmental goals using sound judgement in decision making. * Proficient computer skills using Microsoft Word, Excel and Outlook as well as prospecting/tracking tools such as Salesforce, nCino or similar systems. * Familiarity with professional business practices (time management, communication and appearance). Required Experience: * High School Diploma or equivalent and a minimum of 7 years of related lending and/or credit experience with community and/or industry involvement in the area. * Valid driver's license. Bachelor's degree in Finance, Accounting or business related study and/or formal Commercial Credit training preferred.