A Group Manager - Commercial Banking at M&T Bank is entrusted with managing commercial relationships within a designated group or region. Key responsibilities include overseeing revenue growth through net interest and fee income, ensuring credit quality, negotiating transactions, coaching relationship managers, and managing the sales process. Additionally, the manager represents the bank in civic activities, fostering community ties and enhancing the bank's reputation.

Candidates for the Group Manager - Commercial Banking role at M&T Bank are expected to have a Bachelor's degree or four years of relevant experience, alongside a decade of commercial lending expertise. Previous sales management experience is critical, as well as knowledge of banking credit principles. An MBA is preferred, which indicates a deeper understanding of banking policies and practices.

M&T Bank is committed to the growth and development of its Group Managers in Commercial Banking through comprehensive training and coaching programs. Managers are supported in their development goals, enabling them to enhance their relationship management skills and team-building capabilities. This dedication to professional growth is reflected in how managers mentor their teams to build bench strength and ensure future success.

Essential skills for a Group Manager - Commercial Banking at M&T Bank include strong communication abilities, exceptional interpersonal skills, and expertise in relationship management. Additionally, a solid grasp of risk management, negotiation skills, and experience in sales management play a crucial role in the success of managing commercial relationships and guiding a team effectively.

The compensation range for the Group Manager - Commercial Banking role at M&T Bank is quite competitive, with an annual salary between $161,714.79 and $269,524.66 USD. The actual salary is determined based on the candidate's unique blend of skills, experience, and knowledge, ensuring fair and market-informed pay for this crucial position.

To grow net interest and fee income, I would first analyze current performance metrics and identify key revenue drivers. Implementing targeted business development strategies and fostering strong client relationships would be essential. Additionally, coaching my team to maximize their sales potential and implementing effective outreach initiatives would further enhance our income generation capabilities.

Managing risk involves a proactive approach, including regular reviews of credit quality and on-going training for relationship managers to recognize potential risks. Establishing a clear framework for monitoring credit trends and timely communication with senior management will be key. Additionally, I would ensure that all team members are aligned on risk assessment protocols to maintain high-quality lending practices.

In my previous roles, I prioritized staff development by creating individualized training and mentorship programs. For instance, I provided regular feedback sessions and tailored coaching initiatives focusing on enhancing sales skills and relationship management abilities, ensuring team members felt supported and were continually improving their skills.

Community engagement is vital for a bank's reputation and growth. I approach it by actively participating in local events and finding opportunities for the bank to contribute positively to the community. Establishing partnerships with local organizations not only strengthens our brand but also fosters meaningful relationships that can lead to potential business opportunities.

Excellent communication within my team is facilitated through regular team meetings, open-door policies, and collaborative tools that encourage sharing of ideas and information. I believe in fostering an environment where team members feel comfortable discussing challenges and successes, ensuring clarity in our goals and responsibilities.

I have extensive experience negotiating loan terms where I focus on understanding both the needs of the clients and the bank’s risk appetite. I always aim for a balanced approach, ensuring the agreement is beneficial for both parties while adhering to the bank’s lending parameters and regulatory requirements.

In a previous role, my team faced declining sales due to market changes. I organized a brainstorming retreat, allowing the team to share ideas and revamp our approach. By refining our sales strategies and re-engaging clients with personalized outreach, we successfully turned sales figures around within a few months.

I stay current on banking regulations by regularly attending industry conferences, participating in professional development workshops, and subscribing to relevant financial publications. Additionally, I encourage my team members to engage in continuous learning and share insights on any new developments that impact our sector.

A successful Group Manager must possess strong leadership qualities, effective communication skills, and a deep understanding of commercial banking. They should also be adaptable, able to motivate their team, and have a knack for building lasting client relationships, all while maintaining a focus on risk management and strategic growth.

Handling a dissatisfied client involves active listening to understand their concerns fully, followed by prompt action to resolve the issue. I would communicate transparently and involve the client in discussions about potential solutions, demonstrating our commitment to their satisfaction and keeping the relationship strong.