Key Facts

Remote From:

United States

Full time

Senior (5-10 years)

124 - 206K yearly

English

Hard Skills

Commercial Lending New Business Development Bank Compliance Loan Administration Deposit Accounts Cross-Selling Underwriting Compliance Management Credit Analysis Loan Administration Underwriting Portfolio Management Outbound Sales Skills Presentation Training Civic Engagement

Other Skills

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Relationship Management
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Communication
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Teamwork
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Social Skills
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Diplomacy

Roles & Responsibilities

Bachelor's Degree or four years of relevant experience; minimum seven years commercial lending experience.
Preference for strong mortgage warehouse lending relationship management background; underwriting and portfolio management background preferred.
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.

Requirements:

Source qualified new IMB relationships and conduct pre-qualification and due diligence to identify revenue opportunities; service high-dollar, high-complexity loan and deposit relationships in the IMB space.
Grow, manage, and retain existing clients; work closely with underwriting and operations to service clients; maintain a high-quality loan portfolio.
Participate in a formal call program to develop new loan, deposit, and fee-based business.
Follow residential mortgage market trends to grow the Bank’s business; represent the Bank in civic and community activities; ensure compliance with guidelines, policies, and audit requirements.

Job description

Overview:

Responsible for growing and managing a portfolio of mortgage warehouse clients focused primarily in the Independent Mortgage Banking (IMB) space. The RM 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. The RM will source qualified new IMB relationships, conduct necessary pre-qualification and due diligence work to successfully identify new revenue opportunities for the Bank.
Maximizes the Department’s profitability through the maintenance of a high-quality loan portfolio. Ensures compliance with all Bank guidelines, policies and audit requirements.
Participates in a formal call program to develop new loan, deposit and fee-based business.
Follows residential mortgage 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 in the IMB industry.

Grow, manage and retain existing clients. Works closely with underwriting and operations team 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 lending experience.

Preference given to candidates with strong mortgage warehouse lending relationship management background.

An underwriting and portfolio management background is also preferred.

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.

#LI-LA1

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $123,600.00 - $206,000.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location.