Senior Relationship Manager - Affordable Housing, Hybrid

Overview

Join our Affordable Housing Lending team and play a pivotal role in creating vibrant, sustainable neighborhoods across the country. The Affordable Housing Vertical is an integral component of the Bank’s larger affordable housing platform that brings together equity/investment capabilities — balance sheet, equity/investment, and permanent loan products — to the Bank’s affordable clients.
Primary Responsibilities

Own all aspects of executing balance sheet products.
Originate affordable housing balance sheet capital transactions with both existing and new clients.
Negotiate, secure, and structure transactions to ensure alignment with the Bank’s risk appetite.
Cross‑sell all aspects of financial solutions and bank products to clients.
Work with a team to obtain and analyze due diligence items including sponsor financials, project budgets, and pro‑formas.
Coordinate underwriting and closing processes with clients, internal partners, counsel, and others with a focus on client experience.
Partner effectively with Credit Officers, Underwriting Teams, and PMs in connection with credit decisioning, risk mitigation, and closing.
Maintain relationships with high‑profile clients, prospects, organizations, and agencies involved in the affordable housing industry.
Ensure that products and services are delivered with a high level of customer service in accordance with the Bank’s goals.
Prioritize M&T CRA needs.
Act as a trusted advisor to current clients and future customers.
Actively participate in industry conferences, meetings, and serve on affordable housing‑related boards and committees to represent the Bank.
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 belonging and reflects the M&T Bank brand.
Maintain M&T internal control standards, including timely implementation of audit points and regulator issues.
Complete other related duties as assigned.
Scope of Responsibilities

Incumbent will provide a dedicated source of balance sheet capital and specialized Affordable Housing expertise to the Bank’s existing and future affordable housing clients (including national and local for‑profit, non‑profit owner‑operators and developers, housing authorities, and other providers seeking to build, acquire, and preserve affordable housing across the Bank’s footprint). Incumbent must possess strong initiative, can work independently, and have proven experience to drive complex balance sheet debt executions for affordable housing clients.
Education and Experience Required

Bachelor’s Degree in Finance, Real Estate, or a related field and a minimum of 7 years of relevant work experience in affordable housing lending and investment industry, and/or commercial real estate lending with demonstrated credit acumen.
In lieu of a degree, a combined minimum of 11 years of higher education and/or work experience in affordable housing lending and investment industry or commercial real estate lending with demonstrated credit acumen.
Proven experience in balance sheet lending and a broad understanding of Low‑Income Housing Tax Credit (LIHTC) investments, tax‑exempt bond financing, and other government loan programs for housing development.
Experience implementing creative selling and innovative problem‑solving techniques.
Proven ability to drive a business development effort individually and as part of a team.
Proven ability to work with a wide range of clients, including for‑profit and non‑profit developers and housing authorities of all sizes and varying levels of sophistication.
Demonstrated proficiency in executing a disciplined sales process.
Strong knowledge of financial markets.
Strong verbal and written communication skills.
Ability to travel as needed within assigned markets.
Strong Affordable Housing financing experience.
Pay and Location

Pay range: $150,800.00 – $251,300.00 annual (USD).
Location: New York, New York, United States of America.
Equal Employment Opportunity Statement

M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.

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