Commercial Senior Relationship Manager, Mortgage Warehouse Lending

📋 Description

• • As a Commercial Senior Relationship Manager specializing in Mortgage Warehouse Lending at Manufacturers and Traders Trust Company (M&T Bank), you will be at the forefront of driving growth and managing a significant portfolio of clients within the Independent Mortgage Banking (IMB) sector.
• • This pivotal role demands a proactive approach to business development, encompassing the solicitation of new high-value clients, the strategic cross-selling of M&T Bank's comprehensive suite of financial products, and the meticulous administration and servicing of existing, complex relationships.
• • You will be instrumental in sourcing qualified new IMB relationships, conducting thorough pre-qualification assessments, and performing in-depth due diligence to identify and capitalize on new revenue-generating opportunities for the Bank.
• • A core responsibility will be to maximize the Department’s profitability by maintaining a robust and high-quality loan portfolio, ensuring unwavering adherence to all Bank guidelines, policies, and stringent audit requirements.
• • Your engagement will involve actively participating in a formal call program designed to cultivate new loan, deposit, and fee-based business, demonstrating a deep understanding of client needs and market dynamics.
• • Staying ahead of the curve is crucial; you will continuously monitor residential mortgage market trends and emerging developments to strategically expand the Bank’s business presence in both established and developing markets.
• • Beyond client interactions, you will serve as a visible and engaged representative of M&T Bank within civic and community activities, enhancing the Bank's local and regional presence.
• • The scope of your responsibilities extends to servicing customers who require loan and/or deposit relationships characterized by large dollar amounts and high complexity, specifically within the dynamic IMB industry.
• • You will be tasked with not only growing and retaining existing client relationships but also working collaboratively and seamlessly with our dedicated underwriting and operations teams to ensure exceptional client service delivery.
• • While this role may not have direct reports, you will play a vital role in coaching and mentoring junior relationship managers, sharing your expertise and fostering their development within the team.
• • This position offers a unique opportunity to leverage your extensive commercial lending expertise to make a tangible impact on the Bank's strategic objectives and financial performance.
• • You will be expected to develop and maintain a deep understanding of the mortgage warehouse lending landscape, including regulatory changes, market shifts, and competitive pressures, to provide insightful guidance to clients and internal stakeholders.
• • Building and nurturing strong, long-term partnerships with key decision-makers within IMB companies will be paramount to your success.
• • You will be responsible for structuring complex credit facilities, negotiating terms, and ensuring that all credit risks are appropriately assessed and mitigated.
• • The ability to articulate the value proposition of M&T Bank's mortgage warehouse lending solutions with clarity and conviction will be essential in securing new business and deepening existing relationships.
• • You will contribute to the continuous improvement of our lending processes and client service models, providing feedback and insights from your direct market experience.
• • This role requires a high degree of autonomy, strategic thinking, and a results-oriented mindset, coupled with a commitment to ethical conduct and client advocacy.
• • You will be a key player in achieving ambitious growth targets for the mortgage warehouse lending division, contributing directly to the Bank's overall success and market leadership.