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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in Dealer Commercial Services and Commercial Lending, with a strong focus on relationship management, credit analysis, and compliance. Proven ability to evaluate financial conditions and make informed lending decisions while maintaining a high-quality loan portfolio.
Highest-signal resume keywords
Dealer Commercial Services ExperienceCommercial Lending SkillsCredit Analysis ProficiencyRelationship Management ExpertiseFinancial Statement Analysis
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit AnalysisCommercial LendingFinancial Statement EvaluationLoan Decision MakingRisk ManagementProduct Pricing KnowledgeCompliance MonitoringLoan Portfolio ManagementNegotiation SkillsSales Development
Soft Skills
Relationship ManagementOrganizational SkillsPresentation SkillsConflict ResolutionCommunication Skills
Tools & Technologies
Bank Software ProgramsPC Software Programs
Certifications & Qualifications
Bachelor’s DegreeMaster’s Degree Preferred
Industry Keywords
Auto DealersBoat DealersRV DealersCommercial Real EstateFinancial ProductsLoan and Deposit RelationshipsCredit ReportsTax ReturnsProfessional ServicesIndustry Trends
About the role
Key responsibilities & impact- Develop and manage a portfolio of auto, boat, and RV dealers/dealer groups with complex lending and financial requirements
- Establish and strengthen relationships with major dealership/dealer groups while promoting financial products and services
- Service customers seeking loan and deposit relationships by interviewing applicants, evaluating credit information, and making relationship recommendations
- Participate in and assess formal call programs targeting new loan and deposit business
- Evaluate dealer commercial services, commercial real estate, and commercial loan financing requests
- Evaluate loan requests for dealer principals and partners
- Analyze applicants’ financial condition, cash flow, and credit history; make loan decisions within lending guidelines
- Approve loans within authority and present requests to senior credit officers and credit committees when appropriate
- Monitor industry trends and develop strategies to increase the Bank’s business
- Maintain contacts with professional services communities and industry organizations
- Collaborate with Sales Managers and Credit Managers to gather information, structure credits, and set pricing
- Maintain a high-quality loan portfolio and maximize department profitability
- Monitor loans, credit files, customer deposit accounts, audits, and statements for compliance
- Understand and manage product pricing, cost structure, and risk
- Provide guidance and technical knowledge to less experienced dealer commercial services relationship managers
- Promote belonging and reflect the M&T Bank brand
- Maintain internal control standards and implement audit and regulatory requirements
- May mentor and/or supervise lower-level Relationship Managers
- Complete other related duties as assigned
Requirements
What you’ll need- Bachelor’s Degree and minimum of 7 years Dealer Commercial Services and/or Commercial Lending 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 Dealer Commercial Services and/or Commercial Lending experience
- Superior relationship management, sales, and business development skills
- Strong credit analysis and commercial lending skills
- Strong knowledge of financial statements, tax returns, and credit reports
- Thorough knowledge of bank/PC software programs utilized by the department
- Excellent presentation skills
- Strong negotiation skills
- Superior organizational, written and verbal communication, and presentation skills
- Ability to handle conflict without alienating people
- Ability to work with peers and gain their cooperation
- Ability to interact professionally with all levels of personnel
- Demonstrated leadership skills in prior roles
- Self-motivated and well-organized
- Ability to work under critical time constraints
- Master’s degree preferred