** Work Arrangement/Location: This is a hybrid position requiring in-office work three (3) days every week and it will be based in M&T's One M&T Plaza office in Buffalo, NY Overview:

Responsible for the management of multiple business banking loan product lines or the services for a major market segment to include the design, development, implementation, and marketing.  Ensures product/services are marketable, profitable and comply with legal and regulatory requirements. Product lines include BALOC, Term Loans, SBA credit facilities, Loan Limits, Flexlines, IRE mortgages, CRE Mortgages and business credit card products.

Primary Responsibilities:Recommend product pricing and understand cost structure, as well as understand and manage product risk.  Ensure product complies with legal or regulatory requirements.  Responsible for all product financials, including revenue planning and product profitability.Manage all aspects of new product implementation and existing product modification to include but not limited to the design and development of services; act in a liaison capacity with affected departments.Review new developments in company markets, evaluating and recommending new services or new products, or the modification of existing services or products.Establish marketing objectives; work with other bank departments to develop effective programs to sell services/products.Evaluate new product/services success; recommend changes in service or marketing strategy.  Recommend product pricing, understanding the cost structure.Maintain an awareness of new trends and developments in marketing and company products and services.Performs reporting and analysis relating to the product portfolio.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.

Education and Experience Required:Bachelor’s degree plus 5 years’ proven marketing, product management, financial, operations and/or project management experience, OR in lieu of a degree, a combined minimum of 9 years’ higher education and/or work experience, including a minimum of 5 years’ proven marketing, product management, financial, operations and/or project management experience.Experience with/knowledge of business banking loan products. Ability to take initiative and to work independently, with limited supervision

Experience Preferred: 

Product Management experienceExperience in the full product management lifecycle, from ideation to implementation. Business Banking loan product management experience, ideally including BALOC, Term Loans, SBA credit facilities, Loan Limits, Flexlines, IRE mortgages, CRE Mortgages and business credit card products.

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M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $85,104.04 - $141,840.07 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

LocationBuffalo, New York, United States of America