Overview:

Provides the Bank’s customers and prospects with Equipment Financing solutions, through the utilization of tax, non-tax, and tax-exempt financing products.   

Primary Responsibilities:

Serve as resident solution partner or business development manager for transactional opportunities; identify, process, and close equipment financing opportunities that meet the Bank’s credit and profitability guidelines.

Train Commercial Relationship Managers on the value of Equipment Financing solutions to the Bank and its clients.

Participate regionally in the formal relationship planning process to identify Bank customers that could be prospects and customers for Equipment Finance; seek to expand our relationship with those identified.

Participate in all regional staff and community banking meetings. 

Maintain customer account as paying as agreed (currency); maintain currency on equipment and market trends and changes in accounting rules and trends that may impact their ability to pay.

May coach and/or mentor less experienced Sales staff.

Participate in civic and community activities with an emphasis on volunteerism and board participation to increase opportunities for new business.

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 a culture of belonging 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.

Scope of Responsibilities:

The position works closely with Relationship Managers, Team Leaders, and management, as well as Credit to identify equipment financing opportunities that meet the Bank’s standards and provide necessary guidance to close and book these transactions. In addition, the position is responsible for continued oversight of these transactions and assists in servicing these accounts as needed. 

Supervisory/Managerial Responsibilities:

Not Applicable

Education and Experience Required:

Bachelor’s degree and a minimum of 7 years’ commercial lending and/or equipment finance experience, or in lieu of a degree, a combined minimum of 11 years’ higher education and/or work experience, including a minimum of 7 years’ commercial lending and/or equipment finance experience

Strong verbal and written communication skills

Strong interpersonal skills

Strong negotiations skills

Strong presentation skills

Knowledge of the principles of equipment financing structure, credit analysis, and tax law

Proficiency with personal computers as well as pertinent spreadsheet software

Education and Experience Preferred:

Bachelor’s degree in Business or Finance

Physical Requirements:

Location