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Relationship Manager IV, Regional Commercial Banking

Location New York, New York
Job ID R98881 Updated date 07/31/2020
NYC 299 Park Avenue (22957), United States of America, New York, New York

At Capital One, we’re building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding.                                               

Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams. Together, we are on a quest to change banking for good.

Relationship Manager IV, Regional Commercial Banking

The Role:

We are currently seeking a Senior Relationship Manager (RM) with a focus on for Profit companies to join the firm’s Middle Market Banking Group in the Northeast in New York City.  This is both a business development and relationship management position.  The RM will be given revenue goals to meet each year. Revenue from various products will count towards these goals (loans, deposits, treasury management, etc.). The RM will manage these new relationships as well as possibly some existing relationships. 

As a Relationship Manager for our team, you will acquire, develop and maintain relationships, while proactively working with customers to cross sell appropriate banking services. You will work with many teams throughout the bank, leading and executing closings for loans, deposits, treasury services, capital markets products and other services.

Target Market:

  • Middle market companies headquartered in the Northeast market (New York City, Brooklyn, the Bronx, Westchester and Connecticut)

  • These companies should have annual revenues above $20 million or loan needs above $3 million
     

Responsibilities:

  • Develop, plan and pursue an active client and prospective client calling program, within the Bank structure, in order to attract new banking relationships.

  • By serving as the customer’s main point of contact, the RM will manage and cross-sell all new and select existing relationships. Revenue goals will be based primarily on year-over-year revenue growth.

  • Research and make habitual calls on prospective clients.

  • Generate high quality new loan, deposit and fee income business to achieve or exceed specific production goals.

  • Work with Credit and Underwriting to comply with all credit requirements and policy matters.

  • While preparation of credit proposals and all ongoing credit monitoring is the responsibility of Underwriting, successful RMs will form close partnerships with Underwriting and Credit and remain actively involved in this process.

  • Pre-qualify all new opportunities.  The prequalification process includes gathering initial credit package, analyzing initial credit risk, preparing a deal “screen” memo, determining appropriate loan structure, preparing a term sheet and preparing an ROE analysis.

  • RM will also closely partner with constituent departments such as Treasury Management, Merchant Services, Wealth & Asset Management, Capital Markets, Foreign Exchange, Derivatives, etc. in order to deliver to clients and produce revenue. 

  • Coordinate with various departments (Legal, Operations, Credit, etc.) in the servicing of customer transactions and in solving the needs of our customers.

  • Maintain up-to-date knowledge of a) customer industries b) in-market competitors and c) Bank trends and outlooks in order to manage clients and prospective client target list accordingly.

Basic Qualifications:

  • Bachelors Degree or military experience

  • At least 5 years of loan origination experience

  • Completion of credit training program
     

Preferred Qualifications

  • At least 5 years of experience in direct sales

  • A Master’s in Business Administration or a Master’s in Finance

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).