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Commercial Relationship Management Trainee - 3DGPA in Binghamton, NY at M&T Bank

Date Posted: 4/19/2018

Job Snapshot

Job Description



The Relationship Management Development Program (“RMDP”) is designed to prepare individuals to become successful Portfolio Managers or Relationship Managers.  The twelve month program will begin in August 2018.  RMDP includes a combination of simulated case studies and on-the-job responsibilities, with regular rotations between the regional assignments and credit analysis, designed to further skill development. 
During the program, participants will learn about the Bank’s unique credit culture and the commercial loan underwriting process, while developing sales and relationship management skills. 


Case studies will allow participants to:
  • Obtain knowledge of the bank’s credit underwriting and portfolio management practices
  • Improve strategic selling skills for interacting with external customers and collaborating with internal business partners
    Responsibilities during the on-the-job portion of the program require participants to:
  • Meet quality and production standards set during two rotations with Loan Analysis for work on:
    • Guarantor assessments
    • Middle Market annual reviews and/or Commercial Real Estate property level reviews
  • Support Relationship Managers in assigned region through assistance with:
    • Credit analysis and underwriting
    • Portfolio management and monitoring of new and existing customers within the regional loan portfolio
    • Attend client/prospect calls to gain a thorough understanding of the client/prospect and their business in order to effectively assist in credit memos, annual reviews, renewals, and prospect conversions
      After graduation from the program, RMDPs will assume portfolio manager responsibilities, supporting RMs in their assigned region.  At a future point, the RMDP may be given sales goals and expectations, upon successful demonstration of business acumen and basic RM skills and attributes. 


  • Bachelor's Degree in accounting, finance, economics or related business field, or MBA Degree
  • Minimum of one year of professional work experience with demonstrated leadership skills
  • Ability to balance priorities and exhibit organizational skills to manage both individual and multiple team priorities
  • Excellent written and verbal communication skills
  • Demonstrated analytical and quantitative skills, with prior knowledge of accounting principles
  • Ability and willingness to travel overnight extensively during program
  • Must be proficient with MS Office software and able to quickly master the bank's technology and systems


  • Masters of Business Administration
  • Previous experience in banking or financial services
  • Ability to network and build relationships within our organization to solve problems and complete projects
  • High degree of professional maturity, outgoing personality and comfortable in social situations at all level
  • Demonstrated history of volunteerism including contribution to community/civic organizations and causes
M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer.
M&T Bank Corporation does not sponsor individuals for the purpose of obtaining H-1 Visas.
M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.


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