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—including 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 that the projects are in line with the risk appetite of the Bank. 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 proformas. Coordinate underwriting and closing process with client, internal partners, counsel, etc. with a focus on client experience. Partner effectively with Credit Officers, UW Teams, PMs in connection with credit decisioning, risk mitigation, and closing. Maintain relationships with high profile clients and prospects, organizations and agencies involved in the affordable housing industry. Ensure that products and services are delivered in a quality manner and in accordance with the Bank’s goal of a high level of customer service. Work to ensure M&T CRA needs are prioritized. Act as a trusted advisor to both 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 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 Affordable Housing vertical is an integral component of the Bank’s larger affordable housing platform that brings together equity/investment capabilities—including balance sheet, equity/investment, and permanent loan products—to the Bank’s affordable clients. The 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 (includes national and local for‑profit, and non‑profit affordable housing owner‑operators and developers, housing authorities and other providers seeking to build, acquire and preserve affordable housing across the Bank’s footprint). The incumbent will possess a strong initiative and can work independently and prove 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 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 the same field. Proven experience in balance sheet lending and broad understanding of Low‑Income Housing Tax Credit (LIHTC) investments, tax‑exempt bond financing and other government loan programs for housing development and other non‑traditional investment products and programs. 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. M&T Bank is committed to fair, competitive, and market‑informed pay for our employees. The pay range for this position is $150,800.00 – $251,300.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. Location: New York, New York, United States of America #J-18808-Ljbffr M&T Bank