M&T Bank : Higher Education
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M&T Understands Higher Education

It is no secret that in recent years, colleges and universities are being asked to do more with less. Managing fluctuating enrollments, tuition challenges, and reductions in government appropriations and endowment income have become constant challenges for institutions of higher learning. As you navigate these difficult waters, contact M&T’s higher education financing experts for advice with restructuring your debt, building that new student residence, creating the space in your budget to expand that new degree program, enhancing those athletic playing fields, or executing whatever positive growth plans were conceived before the recent recession.

Investment Banking: Our highly experienced Education Investment Bankers bring years of experience with institutions both large and small, public and private, to address your challenges. They can help you craft debt policy, analyze debt refunding and new issuance opportunities, and underwrite both fixed-rate and variable-rate issues.

Credit Services: For short-term working capital or bridge loans, revolving credit lines, longer term taxable or tax-exempt direct purchase or letter of credit enhanced bonds; M&T offers higher education institutions competitive rates and terms to keep you operating efficiently and expanding your campus to attract the best students.

Investments: M&T’s investment management affiliate, Wilmington Trust, has been a leader in the investment of portfolios subject to sustainable spending, such as endowment funds, and provides asset allocation solutions and separate account management for both short-term and long-term portfolios.

Treasury Management and Corporate Cards: The past few years of economic recession have made expense control critical to higher education institutions. Our tools and services provide the cash flow tracking you need. With efficient and rewarding Corporate Card programs, full account reconciliation services, and controlled disbursements, M&T provides the technology and cash management services of a large bank, combined with the local and high touch award winning customer service of a small community bank.

M&T’s relationship model has been so successful for our clients that we have been recognized by Greenwich Associates in 2011: Greenwich Associates 2011 Greenwich Excellence

  • Treasury Management – Customer Service. On a national level, M&T was awarded a Greenwich Excellence Award for the high quality customer service we deliver to our treasury management customers
  • Treasury Management—Overall Satisfaction. On a regional level, M&T was awarded a Greenwich Excellence Award for overall customer satisfaction with our treasury management solutions

Faculty Services: Because M&T’s commitment to education extends well beyond the traditional banking services offered, we are pleased to provide colleges and universities with our M&T @ Work program. M&T @ Work brings M&T employees onto your campus to talk to campus staff about budgeting, building and maintaining credit, and many other financial literacy topics, while also offering checking accounts, web and mobile banking, and many other premier banking services. M&T Bank is more than just a banking service provider; we are a partner who wants to invest in the future success of your school.

Contact information:

Education Investment Banking Services
Linda Eremita
Managing Director

Private Colleges and Universities
Janet T. Farrell
Administrative Vice President

Public Colleges and Universities
Andy Fish
Group Vice President

Investments: • Are NOT FDIC-Insured • Have NO Bank Guarantee • May Lose Value

Brokerage services are offered by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank.

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