As a Consumer Lending Relationship Manager II at M&T Bank, your primary responsibilities include soliciting new business, administering existing relationships, and evaluating credit information. You will work closely with Sales and Credit Managers to understand customer needs while monitoring their portfolios for efficiency. Additionally, you’ll follow market trends and share program-related information to enhance customer engagement.

To qualify for the Consumer Lending Relationship Manager II role at M&T Bank, candidates need a bachelor's degree or equivalent experience, alongside three years of relationship sales or credit experience. It's also essential to have strong relationship management, sales, and business development skills, as well as good finance and accounting knowledge.

M&T Bank actively promotes an environment that supports diversity in the Consumer Lending Relationship Manager II role. The organization encourages diverse perspectives and inclusive practices within the team, aiming to foster a workplace that reflects its core values and the communities it serves.

Successful candidates for the Consumer Lending Relationship Manager II role at M&T Bank should possess excellent relationship management skills, strong sales proficiency, and the ability to communicate effectively. A thorough understanding of financial products, customer service focus, and reliability in handling customer concerns are equally important aspects for success.

The salary range for a Consumer Lending Relationship Manager II at M&T Bank varies between $83,503.69 and $139,172.82 annually. The specific compensation will depend on the candidate's blend of skills, experience, and performance metrics.

To build strong relationships, I would prioritize understanding the unique needs of each client, providing prompt and effective communication, and delivering tailored financial solutions. Regular follow-ups and sharing relevant market insights can also foster trust and confidence.

Handling difficult customers requires patience and active listening. I focus on understanding their concerns, empathizing with their situation, and offering suitable solutions. Turning a negative experience into a positive interaction can often strengthen the relationship.

In my previous roles, I have gained comprehensive experience in credit evaluation, where I analyze financial data, credit histories, and customer information to assess the risk and feasibility of lending solutions. I always ensure adherence to regulatory compliance throughout the process.

Teamwork is crucial in this role, as collaboration with Sales Managers, Credit Managers, and other internal teams allows us to streamline processes and ensure effective communication when serving clients. Sharing insights and strategies enhances our effectiveness in meeting our customers' needs.

I stay informed on market trends by subscribing to industry publications, attending webinars, and networking with industry professionals. This knowledge enables me to provide valuable insights to clients and adjust strategies to remain competitive.

To monitor a customer's portfolio effectively, I would analyze transaction histories, assess risk factors, and regularly review performance against set benchmarks. Open communication with the client is also necessary to address any arising issues promptly.

I prioritize understanding the company’s risk appetite and regularly review our policies. This ensures that all actions taken in managing client relationships align with compliance standards, helping to mitigate potential risks proactively.

In a past role, I implemented a referral program that incentivized existing customers to provide leads, effectively driving new business. This approach not only increased our customer base but also enhanced engagement with our current clients.

I focus on credit scores, debt-to-income ratios, repayment history, and overall financial stability. These indicators provide a comprehensive view of the applicant's creditworthiness and assist in making informed lending decisions.

I'm motivated by the opportunity to make a significant impact on clients' financial journeys. Establishing meaningful relationships while helping them reach their financial goals drives my passion for this role.