M&T Bank
Full-service banking with mortgage, deposits, loans
Business Banking Senior Relationship Manager
Hybrid position; required office schedule is not specified.
About the job
- A Bachelor's degree or 3–5 years of relevant work experience.
- At least 5 years of experience.
- Knowledge of personal computers and department software.
- Ability to read and analyze financial statements and tax returns.
- Strong credit skills to evaluate loan requests.
- Good understanding of Cash Management, Merchant Services, and Trade Services products offered to business banking customers, with the ability to identify sales opportunities.
- Strong interpersonal and presentation skills.
- Develop new banking relationships with business prospects.
- Service the existing business banking client base.
- Achieve established goals outlined by the manager.
- Work with branch partners to maximize sales efforts with business customers and cross-sell other bank products and services.
- Network with centers of influence, including accountants, attorneys, and other referral sources, to develop business.
- Manage the segment’s more complicated and important loan relationships.
- Evaluate credit information and requests and recommend appropriate loan structures to manage risk.
- Negotiate with underwriters and clients to maximize revenue and minimize risk.
- Achieve sales goals, including revenue, loan production, deposit balance production, loan portfolio management, and relationship-managed client targets.
- Participate in business banking and retail sales sprints.
- Achieve call targets and product sales goals, including cash management and Visa merchant products.
- Participate in civic and cultural organizations and programs.
- Use prescribed selling techniques to maximize sales opportunities.
- Sell effectively to prospects and clients and manage and retain existing clients.
- Work closely with internal contacts to service clients.
About the company
M&T Bank is a full-service financial institution that offers a wide range of banking solutions for individuals, small businesses, and larger enterprises. Its products include personal and business checking accounts, mortgage assistance programs, loans, deposits, investment products, and mobile banking. The bank serves mainly customers in the Northeastern and Mid-Atlantic United States and emphasizes community engagement and customer-focused service. It generates revenue from interest income, fees, and service charges tied to loans, deposits, and other financial products. The company’s recent merger with United Bank, N.A. expands its footprint and enhances its service offerings. The goal is to provide accessible financial services to communities while growing its market presence and deepening local connections.
Company Size
10,001+
Company Stage
IPO
Headquarters
Buffalo, New York
Founded
1993
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Simplify's Take
What believers are saying
- On July 15, 2026, M&T reported record quarterly EPS of $5.32.
- Average loans rose $3.0 billion in Q2 2026, led by commercial lending and CRE.
- M&T repurchased $465 million of stock in Q2 2026 while CET1 stayed 10.19%.
What critics are saying
- Average deposits fell $0.7 billion in Q2 2026, tightening funding and forcing pricier borrowings.
- Commercial real estate balances reached $24.5 billion; 2027 refinancing stress hits credit costs and earnings.
- A severe CRE downturn forces reserve spikes, buyback cuts, and capital-trapping regulation through 2027.
What makes M&T Bank unique
- M&T Bank’s Q2 2026 balance sheet paired $168.9 billion deposits with $141.4 billion loans.
- Ninety percent of C&I businesses grew quarter-over-quarter in Q2 2026, proving deep relationship banking.
- The People’s United merger expanded M&T’s Northeast-Atlantic branch and deposit footprint after 2022.
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Benefits
401(k) Company Match
401(k) Retirement Plan
Flexible Work Hours
Hybrid Work Options
Paid Vacation
Paid Holidays
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance
Health Savings Account/Flexible Spending Account
Growth & Insights and Company News
6 month growth
↑ 10%1 year growth
↑ 10%2 year growth
↑ 10%M&T Bank Corporation has outperformed the Nasdaq Composite over recent periods, with shares gaining 18% year-to-date and 19.6% over the past 52 weeks, compared to the Nasdaq's 12.7% and 18.3% returns respectively. Over the past three months, the Buffalo-based bank's shares rose 2.6% against the Nasdaq's 1.2% gain. The outperformance follows strong second-quarter results reported in July, with record earnings per share of $5.32, up 25.5% year-on-year. Taxable-equivalent net interest income increased 4.8% to $1.80 billion, whilst total average loan balances grew 4.4%. Nonaccrual loans fell 23.2% to $1.2 billion, indicating improved asset quality. M&T Bank has a market capitalisation of approximately $34.6 billion.
Cari, the bank-governed digital money network, today announced it has raised $32.5 million in the first tranche of its initial external funding round, with t...
Regional banks delivered mixed second-quarter results, with revenues matching analyst expectations on average. M&T Bank reported revenues of $2.52 billion, up 4.9% year on year and exceeding consensus estimates by 1.9%. The bank also beat earnings per share projections and narrowly surpassed net interest income forecasts. Despite the strong quarter, M&T Bank's shares fell 1.3% following the announcement, trading at $238.67. The decline suggests investor expectations may have been higher than published Wall Street projections. Regional banks as a group have struggled, with share prices down an average of 1.5% since their latest earnings releases. These institutions face challenges including fintech competition, deposit outflows, credit deterioration, regulatory costs, and concerns about commercial real estate exposure following recent high-profile bank failures.
Charles River Associates has expanded its credit facility to $400 million through a six-bank lending syndicate. The five-year agreement includes a $75 million term loan and a $325 million revolving credit facility, replacing a previous $300 million facility set to mature in August 2027. The revolving facility can be reduced to $250 million between 16 July and 15 January each year when working-capital requirements are lower. CRA will use proceeds to repay outstanding borrowings, support working capital, fund growth investments, and cover general corporate purposes. The lending group includes Bank of America, Citizens Financial Group, Eastern Bank, and Beacon Bank & Trust, with BMO and M&T Bank joining as new lenders. The expanded facility provides additional liquidity as the consulting firm invests in its global economic, financial, and management advisory operations.
Merritt Properties has secured a $621 million refinancing loan for a portion of its 58-asset Maryland Industrial Portfolio.