About This Role
This role is part of a team of professionals focused on portfolio and risk management, service, and sales support within the Business Banking Sales Division. You will act as a cross-functional liaison between customers and various banking representatives and departments to enhance communication and grow business development opportunities. The role involves supporting branch partnerships as a Business Banking subject matter expert to minimize operational risk exposure.
Responsibilities
- Serve as an integral partner in supporting Business Banking Relationship Managers with managing customer relationships by deepening connections using proactive touchpoints, identifying referral opportunities, and providing a supportive environment for customers to explore bank products and services
- Lead communication efforts among credit underwriting, external attorneys, internal legal, document preparation departments, and others as needed to facilitate timely loan closing and proactively resolve complex issues
- Take ownership of complex account servicing and error resolution issues, including those escalated by other Bankers
- Manage the clearance of delinquent documents and other exceptions with appropriate areas
- Analyze financial information in support of client credit requests (e.g., cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis)
- Provide an optimal experience to existing and prospective business customers, ensuring creation of a consultative relationship and the provision of seamless customer service
- Lead regular one-on-one meetings with Relationship Manager(s) to prioritize and strategize ongoing portfolio management activities and new loan requests, while facilitating cross-business line cluster meetings
- Play a key role in the client facing team by overseeing transaction requests, documentation collection, fraud support, error resolution, and managing escalations
- Conduct thorough research on client and bank issues, proposing comprehensive solutions and evaluating potential trade-offs while identifying risks and presenting effective mitigants
- Monitor and manage the portfolio’s outstanding assets, such as, but not limited to maturing loans, exception pricing, annual reviews, and covenant compliance, ensuring proactive oversight
- Maintain frequent contact with customers throughout the customer lifecycle, ensuring seamless onboarding, analysis of service needs, and consultation on service enhancements
- Open deposit accounts and service them on behalf of the Relationship Manager
- Act as a first line of defense with the relationship team to help identify and mitigate risks
- Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies
- Promote an environment that supports diversity and reflects the M&T Bank brand
