Business Banking Relationship Manager (6453)

Description Basic Function:
The RM will be charged with expanding M&T Bank's Greater Baltimore's commercial and business banking reach in the market he or she serves.  Using an assigned portfolio of loan and deposit relationships with small business clients that operate within the community, he or she will solicit new business, manage risk and credit decisions,and service existing clients through the bank’s relationship management program.  He/She will also work with branch partners to effectively sell to the business customer and cross-sell other bank products.

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
-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
-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
-Work closely with internal contacts to service clients

Basic Qualifications:
-Bachelor’s degree or 3-5 years of relevant work experience
-Three (3) plus years sales and/or commercial credit experience
-Ability to sell effectively to prospects and clients 
-Ability to read and analyze financial statements and tax returns
-Sound credit skills necessary to evaluate loan requests
-Working knowledge of personal computers to include MS Word, Excel and PowerPoint
-Strong interpersonal and presentation skills required

Ideal Qualifications:
-Working knowledge of software utilized by the department a plus
-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

Requirements See Above