Relationship Manager IV - MMB at Capital One

NYC 299 Park Avenue (22957), United States of America, New York, New York

Relationship Manager IV - MMB

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 sell related banking accounts and services. This position focuses on developing service relationships for commercial clients and leading efforts to acquire new relationships.  

Responsibilities:

• 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, investment banking etc. within the assigned region.

• Coordinates with various divisions and departments ( 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 and is within policy.

• Evaluates credit risk and reviews the compensating demand deposit balances of each loan customer in order to properly price loans to meet profitability standards.

• Acquires collateral documents to be utilized as security on loans, and approves the release, substitution of 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.

Basic Qualifications:

• Bachelor’s degree or military experience

• At least 7 years of experience in commercial banking

Preferred Qualifications:

• Master’s degree

• Completion of formal credit training program

• 8+  years of loan origination experience

​At this time, Capital One will not sponsor a new applicant for employment authorization for this position. 

#CorpBank #MMB

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

New York City (Hybrid On-Site): $202,400 - $231,000 for MMB Relationship Manager IV

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.

This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.

This role is expected to accept applications for a minimum of 5 business days.

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 (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable 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.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com

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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).