As a Business Banking Sr Relationship Manager at M&T Bank, your primary responsibilities include developing and managing banking relationships with small business clients in the South Shore area. You'll solicit new business and service existing clients through our relationship management program, while also collaborating with branch partners to cross-sell bank products. Additionally, you will evaluate credit information and make informed recommendations on loan structures to ensure risk management.

A Bachelor’s degree or a minimum of 3-5 years of relevant work experience is required for the Business Banking Sr Relationship Manager role at M&T Bank. Candidates should possess at least 5 years of experience in a related field, and have strong credit skills necessary for evaluating loan requests. Proficiency in financial statement analysis and a good understanding of cash management services is essential.

M&T Bank prioritizes employee development through continuous training and mentorship programs. As a Business Banking Sr Relationship Manager, you will benefit from working under moderate supervision, allowing for growth while receiving support from experienced colleagues. Additionally, you have opportunities to engage with civic and cultural organizations, enhancing both personal and professional growth.

In the Business Banking Sr Relationship Manager role at M&T Bank, you will be expected to achieve sales goals that include generating revenue of $300M to $500M, producing loans ranging from $7.5MM to $12MM, and maintaining deposit balances between $750M to $2.5MM. You will also manage a loan portfolio of approximately $15MM to $40MM and oversee about 30 to 65 relationship-managed clients.

Essential skills for the Business Banking Sr Relationship Manager position at M&T Bank include strong interpersonal and presentation abilities, effective selling techniques, and solid credit evaluation skills. The capacity to analyze financial statements and identify sales opportunities within various business banking products is also crucial for success in this role.

When responding to this question, highlight specific experiences involving relationship-building strategies with small business clients. Share examples of how you identified potential clients, met their unique needs, and built long-term partnerships, emphasizing results and any measurable impacts.

Discuss your approach to evaluating credit information, including the analysis of financial statements, tax returns, and credit histories. Emphasize your thoroughness in assessing risk, the criteria you consider most important, and how you ensure favorable outcomes for both the client and the bank.

Talk about your understanding of clients’ needs and how you align banking products with those needs. Give examples of successful cross-selling instances and the techniques you used to create value-driven conversations that led to successful outcomes.

Elaborate on your client management approach, including regular check-ins, personalized service, and proactive problem-solving. Provide examples of how these strategies have helped retain clients and strengthen their loyalty towards the bank.

Explain the factors you evaluate when designing loan solutions, such as the client's financial health, risk tolerance, and business model. Discuss your experience negotiating terms that protect the bank while providing clients with beneficial solutions.

Highlight your communication and problem-resolution skills. Discuss how you would actively listen to the client's concerns, empathize, and work collaboratively to find a satisfying solution while maintaining the bank's standards and policies.

Share your networking strategies, such as attending industry events, utilizing social media, and building personal relationships within the community. Discuss how you leverage these connections to generate referral business effectively.

Mention your commitment to continuous learning through industry publications, professional workshops, and networking with peers. Discuss how you implement the latest information into your daily responsibilities as a Business Banking Sr Relationship Manager.

Discuss various sales metrics like revenue growth, loan production, and client satisfaction. Share how you set personal goals aligned with the bank's objectives and your strategies for consistently meeting or exceeding them.

Express your enthusiasm for M&T Bank’s commitment to community engagement and customer service. Discuss how the bank’s values align with your personal and professional goals and why you believe it’s a great fit for your skills.