Overview:

Responsible for an assigned portfolio of loan and deposit relationships with small business clients.  Solicit new business; manage risk and credit decisions; and service existing clients through the bank’s relationship management program.  Work with branch partners to effectively sell to the business customer and cross-sell other bank products.

Primary Responsibilities:

• Develop new banking relationships with business prospects. Service existing business banking client base. Achieve established goals as outlined by manager.
• Work with branch partners to maximize sales efforts to business customers and cross sell other products and services that the bank offers. Network with centers of influence to develop business including accountants, attorneys and other referral sources.
• Evaluate credit information and requests and recommend appropriate loan structure to manage risk. Effectively negotiate with underwriters and clients to maximize revenue and minimize risk.
• Achieve sales goals with minimum expectations as follows:
• Revenue of $150M to $4000M.
• Loan production of $4MM to $8MM.
• Deposit balance production of $400M to $2MM.
• Manage loan portfolio of $7.5MM to $20MM.
• Oversee approximately 15 to 40 relationship managed clients.
• Actively participate in all business banking and retail sales sprints. Achieve call targets and other product sales goals such cash management, visa merchant, and others as assigned. Participate in civic and cultural organizations and programs. Utilize prescribed selling techniques to maximize sales opportunities.

Scope of Responsibilities:

Ability to sell effectively to prospects and clients.  Manage and retain existing clients.

Work closely with internal contacts to service clients.

Education and Experience Required:

Bachelor’s degree or in lieu of a degree, a minimum of 4 years of related sales/banking experience, or a combination thereof

Knowledge of personal computers and the software utilized by the department

Ability to read and analyze financial statements and tax returns.

Sound credit skills necessary to evaluate loan requests.

Good understanding of Cash Management, Merchant Service, Trade Services products offered to Business Banking customers and ability to identify sales opportunities for those product sets.

Strong interpersonal and presentation skills required.

Location

This role follows a hybrid work schedule; offering the flexibility to work remotely two days a week, while providing the opportunity for onsite and in person collaboration the other three days.

At M&T Tech, we’re a team of makers, doers, and builders, working to create the most advanced technology solutions in banking. We’re not your stereotypical suit and tie bankers: we’re an innovative team of leading tech experts, pushing boundaries, and taking risks. We’re building an agile team of the most skilled and creative workers to solve complex problems, architect solutions, write high-performance software, and chart our new path, all to make the lives of our customers, and the communities that we serve, better. Join us and be part of something new as we build tomorrow’s bank, today.

FUNCTION:

Documents, visualizes, and articulates the value chains, technical health, and current/target states of one or more domains in collaboration with technology leadership. Develops roadmaps alongside product owners and technology teams - incorporating industry trends, best practices, and personal insights while connecting them with the broader Enterprise Technology landscape ensuring alignment to technology strategies, standards, and policies.

This Enterprise Architect position will support the Finance Technology Director in leading one of the largest transformation programs at the bank. M&T’s Finance Division has kicked-off a multi-year Technology Modernization program (leveraging tech from Oracle, Snowflake, SAP, and Workday) focused on advancing business agility for a twenty-first century bank. This is a once-in-a-career opportunity to establish deep partnerships, transform entire ecosystems, and ultimately drive substantial outcomes. We are building Finance capabilities to support business growth needs, meet our external reporting responsibilities, and promote advanced collaboration with a focus on impact across the entire organization. Additionally, this EA role will support the technology teams for Regulatory Reporting, Corporate Services, and Human Resources.

POSITION RESPONSIBILITIES:

• Leverage expertise in technical and business strategy development to support domain leadership in strategic decision making.
• Provide consultation services to domain leadership to improve technology delivery and operational efficiency.
• Provide thought leadership and build strong stakeholder partnerships to articulate current state, target state, and domain roadmap.
• Ensure all architecture domains (business, application, information/data, cloud/infrastructure, security) are considered during solution procurement and/or design.
• Collaborate with delivery teams and domain leadership in preparation for executive leadership, architectural peer group, and architecture review board meetings.
• Research, understand, and apply existing/new/emerging technologies and trends to determine their potential impact on technology domains.
• Translate the enterprise's technology future-state architecture vision into principles, guidelines, standards, and patterns to ensure alignment with broader strategic goals.
• Identify opportunities and approaches for solving domain problems from a broad enterprise perspective that may include new products, new platforms, or system enhancements for Agile teams and domain leadership to help promote the reuse of existing technical investments and capabilities.
• Create and maintain reference materials for use by the technical delivery team to ensure consistent and compliant solutions for enterprise level architecture patterns.
• Participate in the planning and design of strategic initiatives that require architecture guidance.
• 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.
• 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.
• Additional duties as assigned.

NATURE AND SCOPE:

This position will interface with senior leaders, and will require excellent communication skills along with basic knowledge of new and emerging technology trends, and the practical application of those trends for strategic use.

MINIMUM QUALIFICATIONS REQUIRED:

• Bachelor’s degree and 7 years of relevant work experience, or in lieu of a degree, a combined minimum of 11 year's higher education and/or relevant work experience
• 7 or more years of experience in developing and integrating applications using relevant software architecture principles and patterns
• Knowledge of regulatory reporting, core finance terms, data mapping and movement across the organization (Finance)
• Knowledge of financial systems, e.g., Oracle, Workday, or similar
• Working knowledge of architecture diagramming practices, architectural frameworks, and/or enterprise architecture tools
• Work experience in software engineering, software delivery and/or solution architecture
• Experience in driving and delivering innovation within the realm of Corporate Finance, Regulatory Reporting, Corporate Services and Human Resources

IDEAL QUALIFICATIONS PREFERRED:

• Graduate degree in business or technical discipline
• Certification and experience working with Cloud technologies and vendors
• Experience working in an Agile environment
• Certification in enterprise architecture frameworks
• Experience working in the financial services industry
• Experience working in two or more technical roles related to banking technology

At M&T Tech, we’re a team of makers, doers, and builders, working to create the most advanced technology solutions in banking.  We’re not your stereotypical suit and tie bankers: we’re an innovative team of leading tech experts, pushing boundaries, and taking risks.  We’re building an agile team of the most skilled and creative workers to solve complex problems, architect solutions, write high-performance software, and chart our new path, all to make the lives of our customers, and the communities that we serve, better.  Join us and be part of something new as we build tomorrow’s bank, today.

M&T Bank is a Top 20 US bank holding company and one of the best performing and financial stable regional banks in the country, we offer our technology employees a wide range of performance-based career development opportunities. We have a strong commitment to our customers and the communities we serve, and we continue to grow with a focus on the future. So, when looking to advance your career, look to M&T. Grow with us.

Hiring Immediately.

We support our team members with generous benefits.

• Competitive compensation
• Health, welfare, and retirement benefits
• 401(k) match at 5%
• Work-life balance and flexible work arrangements
• Start with 25 days PTO plus 12 paid holidays

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