Relationship Manager jobs at Valley National Bank - 31 jobs

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

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 based out of our Mount Laurel, NJ office 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 $5-25 million dollars. 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 relatively complex activity and portfolio 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. * Build knowledge of diverse types of businesses, industries, markets, financial and economic concepts. * Cultivate relationships network of strategic partnerships across the region. * Sustain comprehensive understanding of current commercial products offered in the market and keep informed of all relevant industry trends and practices. * Carries out a variety of business development activities to identify bank prospects. Maintain a stable network of prospective customers with consistent approach to calling. * 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. * Understand and contribute to the credit decisioning process, including analysis and interpretation of financial statements. * 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. 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 6 or more years Commercial Credit, Commercial banking, Consumer, or Small Business experience. (Required) 2 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. (Preferred) * 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) * Demonstrated ability to anticipate clients' issues, own problems on clients' behalf, and follow through with commitments (Required) * Understands 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. (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 $111,100.00 - $185,100.00 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 full-time, hybrid career opportunity with required routine travel to clients within Eastern PA, and Northern New Jersey markets. Functions independently while managing the most complex Retirement Services client relationships as assigned. Supports manager in mentoring and developing junior level team members. Directly responsible for client retention, satisfaction, revenue growth and new business development. Responsibilities * Lead the delivery of a consistent and integrated Retirement Services client experience through superior execution against Fulton's value proposition. Achieve consistent delivery of relationship management to assigned clients. Coordinate service execution with internal partners to ensure seamless service delivery and maintain client satisfaction. Develop activities and initiatives to retain and expand client relationships and increase fee revenue to Fulton Financial Advisors. Responsible for organizing, documenting and executing the client relationship plan. * Ensure assigned accounts are administered within the terms and conditions of the governing account documents. Complete all required reviews and reports in a timely and accurate manner. Review and analyze assigned accounts for their efficient and effective operation. Advising clients, both employee and corporate, concerning the design and administration of assigned accounts. Deals with client contacts, and others to maintain their confidence without compromising trust principals or Fulton Bank, N. A. 's fiduciary responsibility. Confers with client contacts to respond to routine and general inquiries concerning trust services, investments and administrative matters, and handles routine problems and requests raised by them while referring problems which exceed authority to superiors. * Retain, expand and broaden existing client relationships by identifying cross sell opportunities for Fulton services and collaborating across Fulton Financial to achieve results. Develop relationships with internal and external centers of influence to facilitate an effective referral network of new prospects. Participates in community and business activities to enhance the image and position of Fulton Bank, N. A. Coordinate the completion of responses to Request For Proposals for assigned accounts and new business prospects Provide technical sales support in the development of new business. Achieve annual sales goals Act as a mentor and trainer for Level I Relationship Managers Act as a technical resource for other Relationship Managers for certain administrative, leadership or management functions as assigned by the Relationship Team Manager. Qualifications Education Master's Degree or the equivalent experience. Specialty: Business administration. (Preferred) Experience 10 or more years Relationship management. (Required) 10 or more years Institutional Retirement Services Relationship management which includes overseeing new client acquisition, retaining and expanding existing relationships, and servicing institutional retirement plans. (Required) Strong knowledge of ERISA, defined contribution and defined benefit plans. (Required) Certifications Trust or Financial Planning Designations required. (Required) AIF and QKA (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 $111,100.00 - $185,100.00 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 an full-time, hybrid career opportunity based out of our Mount Laurel, NJ office 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 $5-25 million dollars. 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 relatively complex activity and portfolio 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. Build knowledge of diverse types of businesses, industries, markets, financial and economic concepts. Cultivate relationships network of strategic partnerships across the region. Sustain comprehensive understanding of current commercial products offered in the market and keep informed of all relevant industry trends and practices. Carries out a variety of business development activities to identify bank prospects. Maintain a stable network of prospective customers with consistent approach to calling. 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. Understand and contribute to the credit decisioning process, including analysis and interpretation of financial statements. 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. 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 6 or more years Commercial Credit, Commercial banking, Consumer, or Small Business experience. (Required) 2 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. (Preferred) 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) Demonstrated ability to anticipate clients' issues, own problems on clients' behalf, and follow through with commitments (Required) Understands 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. (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 $111,100.00 - $185,100.00 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.

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. **Location** Paramus, New Jersey, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

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. Location Paramus, 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. **Location** Florham Park, New Jersey, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

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. Location Florham 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

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: * 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: * 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.

Responsibilities include but are not limited to: Represents the bank in conducting active prospect and customer business development activities designed to generate new loan, deposit and related business for the line of business, while meeting the Bank's existing and prospective business customer's needs. Manages relationships with business banking clients through service and support, such as overseeing maintenance of client accounts and ensuring client's needs are met. Establishes strong referral network and relationships with commercial real estate agents, brokers, CPA's, accountants, attorneys, and other Centers of Influence (COI's). Develops strong professional relationships with other Bank department associates, as well as supplemental business lines and vendors to cross sell and generate appropriate business product and service recommendations to help clients meet their goals and expand client relationships. Actively collaborates with other lines of business to ensure the clients specific needs are met. Provides quality customer service to existing customers and accounts through problem resolution and maintains consistent communications with clients through onsite visits and outbound calls. Develops and maintains intimate knowledge of the policies, Bank guidelines for their business line. Refers lending opportunities, treasury management, insurance, residential mortgage, and deposit relationships to bank partners. Participates in civic and community activities to promote the Bank's diverse products and services, maintains professional network relationships and strengthen community ties. Interviews loan applicants, analyzes financial and related data to establish credit worthiness; establishes and negotiates credit terms, and monitors customers' credit. Monitor outstanding loans and take necessary collection actions on past dues. Educates the borrower on business line process, structure, and set expectations. Analyzes, determines eligibility, originates, and structures loan requests. Submits complete documentation packages to the credit. Assists in the credit analysis and underwriting process as needed. Recommends approval of customer applications for commercial loans.

Responsibilities include but are not limited to: Represents the bank in conducting active prospect and customer business development activities designed to generate new loan, deposit and related business for the line of business, while meeting the Bank's existing and prospective business customer's needs. Manages relationships with business banking clients through service and support, such as overseeing maintenance of client accounts and ensuring client's needs are met. Establishes strong referral network and relationships with commercial real estate agents, brokers, CPA's, accountants, attorneys, and other Centers of Influence (COI's). Develops strong professional relationships with other Bank department associates, as well as supplemental business lines and vendors to cross sell and generate appropriate business product and service recommendations to help clients meet their goals and expand client relationships. Actively collaborates with other lines of business to ensure the clients specific needs are met. Provides quality customer service to existing customers and accounts through problem resolution and maintains consistent communications with clients through onsite visits and outbound calls. Develops and maintains intimate knowledge of the policies, Bank guidelines for their business line. Refers lending opportunities, treasury management, insurance, residential mortgage, and deposit relationships to bank partners. Participates in civic and community activities to promote the Bank's diverse products and services, maintains professional network relationships and strengthen community ties. Interviews loan applicants, analyzes financial and related data to establish credit worthiness; establishes and negotiates credit terms, and monitors customers' credit. Monitor outstanding loans and take necessary collection actions on past dues. Educates the borrower on business line process, structure, and set expectations. Analyzes, determines eligibility, originates, and structures loan requests. Submits complete documentation packages to the credit. Assists in the credit analysis and underwriting process as needed. Recommends approval of customer applications for commercial loans.