Senior Relationship Manager, Dealer Commercial Services

This is a fully remote position, open to applicants in Florida.

📋 Description

• Develop and oversee a portfolio of auto, boat, and RV dealers/dealer groups with intricate lending and financial needs.

• Establish and enhance relationships with prominent dealership/dealer groups while advocating for financial products and services.

• Assist customers in seeking loan and deposit relationships by interviewing applicants, assessing credit information, and providing relationship recommendations.

• Engage in and evaluate structured call programs aimed at attracting new loan and deposit business.

• Assess dealer commercial services, commercial real estate, and commercial loan financing requests.

• Review loan requests for dealer principals and partners.

• Analyze applicants’ financial situations, cash flow, and credit histories; make lending decisions in accordance with guidelines.

• Approve loans within the designated authority and present requests to senior credit officers and credit committees when necessary.

• Keep abreast of industry trends and devise strategies to enhance the Bank’s business.

• Maintain connections with professional service communities and industry organizations.

• Collaborate with Sales Managers and Credit Managers to collect information, structure credits, and determine pricing.

• Sustain a high-quality loan portfolio and optimize departmental profitability.

• Monitor loans, credit files, customer deposit accounts, audits, and statements for compliance adherence.

• Understand and manage product pricing, cost structures, and associated risks.

• Offer guidance and technical expertise to less experienced dealer commercial services relationship managers.

• Promote inclusivity and embody the M&T Bank brand.

• Uphold internal control standards and enforce audit and regulatory requirements.

• May mentor and/or supervise junior Relationship Managers.

• Undertake additional related duties as assigned.

⛳️ Requirements

• Bachelor’s Degree and at least 7 years of experience in Dealer Commercial Services and/or Commercial Lending, or alternatively, a combined minimum of 11 years of higher education and/or work experience including at least 7 years in Dealer Commercial Services and/or Commercial Lending.

• Exceptional relationship management, sales, and business development capabilities.

• Robust credit analysis and commercial lending expertise.

• In-depth knowledge of financial statements, tax returns, and credit reports.

• Comprehensive understanding of bank/PC software applications used by the department.

• Excellent presentation abilities.

• Strong negotiation skills.

• Outstanding organizational, written and verbal communication, and presentation capabilities.

• Ability to manage conflict without alienating individuals.

• Capacity to collaborate with colleagues and secure their cooperation.

• Professional interaction skills with all personnel levels.

• Proven leadership skills in previous roles.

• Self-driven and well-organized.

• Ability to perform under critical time constraints.

• Master’s degree is preferred.

🏝️ Benefits

• Comprehensive health, dental, and vision insurance options.

• Retirement plan with company match.

• Generous paid time off and holiday schedule.

• Professional development and training opportunities.

• Employee assistance programs and wellness initiatives.