Director, Relationship Manager IV - Commercial Banking (R141194)
As a global leader in financial services, we believe in building first rate relationships, achieving quality results and working with integrity. Teamwork is at the heart of everything we do. That is why we provide you with comprehensive training, benefits and programs that inspire you to work with a dynamic team to achieve more every day. As a Director, Commercial Banking at Capital One, you will maintain and develop relationships, administer existing loans, demand and time deposits, and cross sells related banking accounts and services. This position focuses on developing service relationships for commercial clients as well as leading efforts to acquire new relationships.
Plans, develop and pursue an active customer call program, within the Bank structure, in order to attract new banking relationships.
Extends and sustains the company's relationships with contacts/customers to maintain and inflate business.
Makes habitual calls on prospective clients in order to generate high quality new loan, deposit, and fee business to achieve or exceed specific production goals.
Plans portfolio growth through the development of a business plan in alignment with departmental budget and consistent with overall Bank asset/liability management objectives.
Convene with customers through personal calling efforts, branch referrals and other contacts to discuss business needs and recommend ways in which the bank can serve their needs.
Accountable for the sale and administration of all financial institutions services to include loans, deposits, investments, trust, insurance, investment banking etc. within the assigned region.
Coordinates with various divisions and departments (Trust, Branches, Operations, etc.) in the servicing of routine transactions and in solving the special customers, and maintains up-to-date knowledge of competitors’ products and pricing in the market served.
Liable for the proper pre-qualification, structuring, pricing, and exception-free closing on all loans in his/her assigned area.
Assesses demand deposit profitability analysis and outlines strategies to bring unprofitable accounts back to profitable status.
Analyzes requests and associated financial data to determine if the loan meets acceptable risk standards is within policy.
Evaluates credit risk and reviews the compensating demand deposit balances of each loan customer in order to properly price loan to meet profitability standards.
Acquires collateral documents to be utilized as security on loans, and approves the release, substitution or collateral in accordance with loan policy.
Collaborates with borrowing customers to procure updated financial information on an ongoing basis.
Acts as a first line of defense to mitigate evolving credit risks from prevailing market forces as well as at the individual company level
Follows up on loan exceptions to insure timely clearing and controls volume of exceptions
Bachelor’s Degree or Military experience
At least 7 years of commercial banking experience
Completion of formal credit training program
At least 7 years of loan origination experience
At this time, Capital One will not sponsor a new applicant for employment authorization for this position.No agencies please. Capital One is an Equal Opportunity Employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex, race, color, age, national origin, religion, physical and mental disability, genetic information, marital status, sexual orientation, gender identity/assignment, citizenship, pregnancy or maternity, protected veteran status, or any other status prohibited by applicable national, federal, state or local law. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.
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Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).