M&T Bank

• Manages client relationships and daily administration of assigned Global Capital Markets (GCM) accounts of significant intricacy, complexity and risk • Serves as main point of contact with the client and internal and external service partners • Participates in development and delivery of innovative products and/or services • Works with internal partners as appropriate • Administers transactions that may have significant complexity and impact to GCM, including new and/or high impact clients • Monitor relevant administrative and operational systems, databases and activity related to accounts • Review, analyze and provide comments to counsel related to negotiation and drafting of operative documents and agreements • Ensure coordination of activities related to monitoring risks and ensuring regulatory compliance • Research and resolve issues related to control and client service aspects of assigned accounts • Work with external parties to structure and close GCM transactions • Complete various account administration activities including timely cash flow execution and fee billing • Evaluate fees for suitability and conformance with fee schedules • Manage relationships, cultivating current and prospective clients and referral sources • Provide coverage and support for other Relationship Managers within assigned Section/Unit as required

• Manages client relationships and daily administration of assigned Global Capital Markets (GCM) accounts • Serves as main point of contact with the client and internal and external service partners • Monitor relevant administrative and operational systems, databases and activity related to accounts • Review, analyze and provide comments to counsel related to negotiation and drafting of operative documents • Coordinate activities related to monitoring risks and ensuring regulatory compliance • Research and resolve issues related to control and client service aspects of assigned accounts • Work with external parties to structure and close GCM transactions in a timely manner • Complete various account administration activities including timely cash flow execution and fee billing • Participate in sales calls to current and prospective clients and assist in preparation of fee proposals • Manage relationships, cultivating current and prospective clients and referral sources • Implement approved fee increases, discounts and waivers as instructed • Partner with Fee Billing to monitor and timely collect aged receivables • Provide coverage and support to other Relationship Managers • Represent GCM at transaction closings and client meetings • Participate in departmental projects and Corporate initiatives • May supervise and/or mentor less experienced associates

Role Description Responsible for due diligence and direct underwriting specializing in Agency Conventional Underwriting. - Analyze/Spread operating statements for multifamily loan transactions in accordance with Fannie Mae and Freddie Mac guidelines. - Responsible for accurate loan sizing and overall risk assessment prior to/or after application utilizing specific Investor underwriting guidelines and requirements. - Interview prospective borrowers and property managers to obtain critical property, management, and borrower details for each transaction. - Work closely with loan originators to help negotiate deal terms and resolve outstanding issues. - Interact with respective Investor Representatives (Fannie Mae, Freddie Mac, etc) regarding loan transaction terms and waivers. - Inspect property in accordance with Investor guidelines (travel required-national). - Obtain and review all third party reports associated with each transaction as required by specific investor. - Completion of underwriting narrative/committee package. - Review of commitment letter and handoff to loan closing department. - Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. - Complete other related duties as assigned. Qualifications - Bachelor's Degree or equivalent work experience and 5 years underwriting or related experience to include completion of multifamily inspection training (or similar work experience and credit training) or in lieu of a degree a combined minimum of 9 years’ higher education and/or work experience including a minimum of 5 years underwriting or related experience to include completion of multifamily inspection training (or similar work experience and credit training). - Experience with multifamily loan transactions in accordance with Fannie Mae and Freddie Mac guidelines. - Ability to multi-task. - Proficiency in Excel and Word programs. - Strong verbal and written communication skills. - Strong analytical skills. Benefits - We are 1 of 5 US-based lenders offering Fannie Mae, Freddie Mac, FHA, bridge loans, life company, debt funds and other capital source relationships. - Our parent company, M&T Bank, is one of the largest commercial real estate lenders in the United States. - Approved Fannie Mae DUS® and Freddie Mac Optigo® lender since 1989. - One of the nation’s leading firms providing FHA-insured multifamily mortgages and an approved MAP lender with 30+ years of experience. - We offer a competitive Multifamily Bridge Loan Program aimed at providing customers with shorter-term financing solutions as a bridge to closing on an agency or life company execution. - Our long-standing relationships with numerous life insurance company investors gives us flexibility during the term of a loan. Compensation M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $103,000.00 - $171,600.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. Location Clanton, Alabama, United States of America

• Lead independent validation of complex quantitative models, including liquidity, IRRBB, FTP, QRM, and other Treasury and risk management models. • Apply model risk governance standards, ensuring alignment with internal policies and regulatory expectations. • Perform comprehensive testing such as conceptual soundness reviews, implementation verification, benchmarking, sensitivity analysis, challenger model development, and performance testing. • Prepare high-quality validation documentation, including Model Validation Reports, technical appendices, and supporting analyses. • Present validation results to model owners, developers, and risk/governance partners, and support issue remediation.

Title: RCC Asset Manager II - Freddie Mac Team Location: United States Job Description: M&T Realty Capital Corporation is a wholly-owned subsidiary of M&T Bank. As a full-service mortgage banking company, we specialize in providing competitive financing nationwide for commercial real estate. Location: Open to remote if based outside of M&T's footprint Overview: The primary function of this position is the servicing and asset management of multifamily loans originated by M&T Realty Capital Corporation for Freddie Mac in accordance with their requirements. Primary Responsibilities: - Review, analysis and processing of financial statements, performing and reviewing property inspections - Completing reserve for replacement and non-critical draw requests - Escrow processing, and the review and processing of easement requests, ownership changes and other servicing and asset management functions that may arise - Other responsibilities may include the processing of construction and sub rehabilitation loans, and all job functions related to those transactions - Additional responsibilities include training, coaching and otherwise provide guidance to less experienced Servicing staff and serve as a point of reference for servicing and asset management related questions - Throughout the life cycle of each assigned loan, serve as the key point of customer contact with the borrower on servicing- and asset management-related matters. - Willingness to travel out of state and stay overnight. - 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 with 4 years related multifamily/commercial real estate industry including loan administration, asset management/servicing or underwriting experience relating to multifamily/commercial real estate loan transactions or in lieu of a degree a combined minimum of 8 years higher education and/or related work experience. Experience with a variety of software applications including Microsoft office systems and commercial loan information systems. Strong communication skills. Good interpersonal skills with the ability to interact with all levels of personnel. Ability to function effectively as a team member. Detail oriented and good time management skills. Education and Experience Required: Freddie Mac asset management experience strongly preferred Why Choose MTRCC: We are 1 of 5 US-based lenders offering Fannie Mae, Freddie Mac, FHA, bridge loans, life company, debt funds and other capital source relationships Our parent company, M&T Bank, is one of the largest commercial real estate lenders in the United States. We leverage the power of our balance sheet and other financial services to provide a wide array of resources to fit our clients' needs. Approved Fannie Mae DUS and Freddie Mac Optigo lender since 1989 One of the nation's leading firms providing FHA-insured multifamily mortgages and an approved MAP lender with 30+ years of experience We offer a competitive Multifamily Bridge Loan Program aimed at providing customers with shorter-term financing solutions as a bridge to closing on an agency or life company execution Our long-standing relationships with numerous life insurance company investors gives us flexibility during the term of a loan M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $94,400.00 - $157,400.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. Location: Baltimore, Maryland, United States of America

• Leads end-to-end Commercial Card Implementation (CCI) strategy and execution • Overseeing client onboarding, pipeline acceleration, operational risk management • Participates in product and fintech launches • Serves as a cross-functional leader partnering with Sales, Product, Solution Delivery, Risk, and fintech partners to accelerate time to revenue and deliver scalable, high-quality client experiences • Lead complex and high-value client implementations, including structured kickoff calls, site visits, and end-to-end onboarding • Oversee delivery of platform and technical installs (e.g., Online Client Facing program management platforms, Payables Automation platforms, QuickBooks integrations) • Ensure consistent, high-quality onboarding experiences that drive adoption and satisfaction • Partner with Product Management to operationalize new and enhanced products • Maintain deep platform expertise to support delivery and reduce dependency on Product teams • Actively manage pipeline pull-through with Sales to resolve stalled or complex deals • Drive reductions in documentation and credit cycle times • Own operational risk management across CCI with strong controls and governance • Lead audit engagements, targeting at minimum, “effective” ratings across all functions • Maintain high service levels for assigned high-value clients

• Manage existing MTEFC business relationships in conjunction with senior management • Solicit the existing customer base to originate new financing opportunities • Assess experience, financial condition, and collateral of customers to identify needs • Provide industry and customer intelligence to senior management • Assist senior management with sales training • Work with management and support teams to drive success and efficiency • Represent the organization in the marketplace • Understand and adhere to the Company’s risk and regulatory standards • Maintain internal control standards and implement audit points as necessary

Role Description Originates new equipment finance loan and lease business that adheres to internal credit and external regulatory standards. Structures, negotiates, and closes each transaction and builds and expands existing business relationships with customers. - Complete in-person, phone calls, and/or emails to current and potential loan and lease program partners to identify their needs and transactional opportunities; process and close equipment financing opportunities in alignment with credit guidelines. - Increase selling, communications, and relationship management skills by working with more experienced Account Executives and sales leadership. - Develop and maintain a current knowledge of pertinent internal systems including usage and selling of the portal and pertinent software. - Build and maintain relationships with peers in other areas of the business, including Accounting, Operations, Sales, Credit, Asset Management, Collections, Pricing, Business Intelligence, and Legal, to obtain the requisite support for responsibilities. - Promote an environment that supports and reflects the LEAF and M&T cultures, while delivering a great value proposition to customers. - 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. Qualifications - Bachelor’s degree and a minimum of 1 years’ relevant sales experience, or in lieu of a degree, a combined minimum of 5 years’ higher education and/or work experience, including a minimum of 1 years’ relevant sales experience. - Strong verbal and written communication skills. - Strong interpersonal skills. - Proven presentation skills. - Proven analytical skills. - Proven decision-making skills. - Proficiency with personal computers as well as pertinent software packages. Requirements - Bachelor’s degree in Business, Marketing, Finance, or Accounting (preferred). - Prior equipment leasing sales experience (preferred). - Ability to see effectively to current and prospective clients. - Ability to travel on an as needed basis. Benefits - M&T Bank is committed to fair, competitive, and market-informed pay for our employees. - The pay range for this position is $26.00 - $43.34 Hourly (USD). - The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. - The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. Location Clanton, Alabama, United States of America

• Provide strategic direction and management of model risk operations • Act as Subject Matter Expert for model operations and controls • Perform complex analysis and judgment based work • Conduct enterprise-wide model inventory processes • Collaborate with Model Validation and Model Governance teams • Manage reporting for operational activities • Support departmental audits including compliance testing • Maintain internal control standards

• Independently leads multi-disciplinary teams through large-scale complex transformational change initiatives • Responsible for directly managing and driving teams in the implementation of numerous governance frameworks • Provide transparency to senior leadership of progress of initiatives • Develop and tailor communications content and artifacts used across various levels in the organization • Ensures follow-up on all critical items and drives accountability through documentation • Build relationships and participate in engagement management with senior stakeholders • Develop and rely upon relationships across the organization to break down silos • Responsible for educating team members by leveraging deep institutional and banking knowledge • Lead work groups and individuals with diverse views to develop and provide strategic recommendations • 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.