Full-Time

Senior Relationship Manager-Affordable Housing Lending

Confirmed live in the last 24 hours

M&T Bank

M&T Bank

10,001+ employees

Full-service banking for individuals and businesses

Financial Services

Compensation Overview

$127.3k - $212.1kAnnually

Senior

Villanova, PA, USA

Category
Commercial Banking
Finance & Banking

You match the following M&T Bank's candidate preferences

Employers are more likely to interview you if you match these preferences:

Degree
Experience
Requirements
  • Bachelor's Degree in Finance, Real Estate or a related field and minimum of 7 years of relevant work experience in affordable housing lending and investment industry, and/ or commercial real estate lending with demonstrated credit acumen or in lieu of a degree, a combined minimum of 11 years higher education and/or work experience in affordable housing lending and investment industry, and/ or commercial real estate lending with demonstrated credit acumen.
  • Proven experience in balance sheet lending and broad understanding of Low-Income Housing Tax Credit (LIHTC) investments, tax exempt bond financing and other government loan programs for housing development and other non-traditional investment products and programs.
  • Experience implementing creative selling and innovative problem-solving techniques.
  • Proven ability to drive a business development effort individually and as a part of a team.
  • Proven ability to work with a wide range of clients, including for-profit and non-profit developers and housing authorities of all sizes and varying levels of sophistication.
  • Demonstrated proficiency in executing a disciplined sales process.
  • Strong knowledge of financial markets.
  • Strong verbal and written communication skills.
  • Ability to travel as needed within assigned markets.
Responsibilities
  • Own all aspects of executing balance sheet products.
  • Originate affordable housing balance sheet capital transactions with both existing and new clients.
  • Negotiate, secure and structure transactions to ensure that the projects are in line with the risk appetite of the Bank.
  • Cross-sell all aspects of financial solutions and bank products to clients.
  • Work with a team to obtain and analyze due diligence items including Sponsor financials, project budgets and proformas.
  • Coordinate underwriting and closing process with client, internal partners, counsel, etc. with a focus on client experience.
  • Partner effectively with Credit Officers, UW Teams, PMs in connection with credit decisioning, risk mitigation, and closing.
  • Maintain relationships with high profile clients and prospects, organizations and agencies involved in the affordable housing industry. Ensure that products and services are delivered in a quality manner and in accordance with the Bank’s goal of a high level of customer service.
  • Work to ensure M&T CRA needs are prioritized.
  • Act as a trusted advisor to both current clients and future customers.
  • Actively participate in Industry conferences, meetings and serve on affordable housing-related boards and committees to represent the Bank.
  • Understand and adhere to the Company’s risk and regulatory standards, policies, and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management.
  • Promote an environment that supports diversity and reflects the M&T Bank brand.
  • Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
  • Complete other related duties as assigned.

M&T Bank provides a variety of banking services to individuals, small businesses, and larger companies. Their offerings include mortgage assistance, personal and business checking accounts, and mobile banking options. The bank primarily operates in the Northeastern and Mid-Atlantic regions of the United States, emphasizing community engagement and a focus on customer service. M&T Bank's business model is based on traditional banking services such as loans, deposits, and investment products, earning revenue through interest, fees, and service charges. A key aspect that sets M&T Bank apart from its competitors is its commitment to community involvement, which includes allowing employees to volunteer and supporting local organizations. The recent merger with United Bank, N.A. has further expanded their services and market presence.

Company Stage

IPO

Total Funding

N/A

Headquarters

Buffalo, New York

Founded

1993

Simplify Jobs

Simplify's Take

What believers are saying

  • M&T Bank's share repurchase program reflects strong earnings and capital management.
  • The bank's focus on digital banking solutions enhances customer experience and efficiency.
  • M&T's community engagement initiatives strengthen its brand and customer loyalty.

What critics are saying

  • Integration challenges from the United Bank merger could disrupt operations and customer satisfaction.
  • Decreased prime lending rate may reduce interest income, affecting profitability.
  • Increased competition from fintechs could erode M&T Bank's market share.

What makes M&T Bank unique

  • M&T Bank emphasizes community engagement through its charitable foundation and volunteer initiatives.
  • The bank offers a comprehensive range of traditional and digital banking services.
  • M&T's recent merger with United Bank expands its market reach and service offerings.

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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