RELATIONSHIP MANAGER III

Apply by eMail:15330983.185@jobfrenzy1.com

Description:
Summary:
This position is the most senior level business development banker focused on developing service relationships with financial institutions or commercial clients. Develops markets and administers existing loans, demand and time deposits, and cross sells related banking accounts and services. May supervise support employees and/or assist in supervising and leading less experienced loan officers. Provides significant input into the overall goals, objectives, and budgets, and manages performance against goals. May supervise support employees and/or officers.

Financial Institutions

The incumbent serves banks, credit unions and savings and loans. The financial institutions are located in Louisiana, Mississippi, Texas, and other southeastern states.
Commercial Clients
The incumbent serves “middle market” or larger businesses and corporations and includes specialty banking areas. For the purpose setting this job’s parameters, the definition of “middle market” is based on annual sales and is set separately by each region. Businesses served may include those over $10MM in annual sales within some regions but include only those with annual sales of above $15MM in others. The incumbent may concentrate on national corporations or local companies.
The incumbent Relationship Manager must maintain a level of total risk adjusted revenue generated in excess of $ 4.0 Million (on an annual basis) excluding public funds deposit spreads, as tracked by Customer Account Profitability (CAP). This is only one of the key considerations in determining eligibility for RM IV. Other factors include the actual development and retention of the RM’s Client Base.
To qualify for this position as a new hire, the candidate must be widely recognized within the market in which they will work for the bank and be judged by the hiring manager and the Commercial Banking head, as capable of generating risk adjusted revenue in excess of $4.0 Million (on an annual basis) excluding public funds deposit spreads, as tracked by CAP within the first two years of employment.

Responsibilities:

Plans, develops and pursues an active customer call program, within the Bank structure, in order to attract new banking relationships.
Assists other account officers in their efforts to obtain new business and retain existing relationships for the bank.
Develops and maintains the company's relationships with contacts/customers to maintain and expand business.
Makes regular calls on potential 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.
Meets 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.
Responsible 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.
Maintains up-to-date knowledge of competitor’s products and pricing in the market served.
Responsible for the proper pre-qualification, structuring, pricing, and exception-free closing on all loans in his/her assigned area.
Reviews 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 risk and reviews the compensating demand deposit balances of each loan customer in order to properly price loan to meet profitability standards.
Obtains collateral documents to be utilized as security on loans. Approves the release, substitution or collateral in accordance with loan policy.
Works with borrowing customers to procure updated financial information on an ongoing basis.
Presents credits in excess of personal lending authority to the Regional Lending Manager and the Senior Loan Committees as appropriate. Conveys decisions to customer.
Works with Loan Analysis unit in developing analytical work-ups on credits.
Follows up on loan exceptions to insure timely clearing. Controls volume of exceptions.

Requirements:
Basic Qualifications:

College Degree or equivalent work experience
6 years of commercial real estate finance experience

Capital One will not file non-immigrant visa petitions for alien workers.

As a recipient of TARP funding subject to the ARRA, Capital One will not sponsor new H-1B petitions or transfer existing H1B visas for new hires to Capital One.

No agencies please. Capital One is an equal opportunity employer committed to diversity in the workplace. We promote a drug-free work environment. We emphasize recruiting, hiring, and retaining the most qualified candidates and providing them with the opportunity to meet their potential. We provide an environment where differences lead to solutions.

Education: Not Specified

Experience: Not Specified

Travel: None

Apply by eMail:15330983.185@jobfrenzy1.com

Job Created: Fri Oct 16 2009 04:27:18 AM
Last Modified: Fri Oct 16 2009 04:27:18 AM