Mr. Callaghan manages M&T’s Healthcare Banking Group, providing sales advisory, credit oversight and industry training to the team. Christopher joined M&T Bank in 1994. He has held several positions in the Corporate Banking and Institutional Investment Management Divisions at M&T, including 15 years in the Healthcare Banking Group. M&T’s Healthcare Banking Group is a Specialized Industry Group that provides Commercial Lending, Investment Banking, Treasury Management and other Financial Services to Health Systems, Hospitals, Skill Nursing Facilities and Senior Living Communities. Christopher received a Bachelor of Arts degree in Economics from Saint Michael’s College in Winooski, Vermont and a Master’s of Science in Finance from The Johns Hopkins University. He is a member of the Board of Directors of Evergreen Healthcare Cooperative, the Board of Visitors of the University of Maryland School of Nursing and is active in several healthcare industry groups.