Capital One Senior Business Banker - NYC 

United States, New York, New York 

44542916

The Banker role is ideal for those who have an entrepreneurial mindset and the desire to “manage” your own territory with built-in team support. Capital One offers the resources of a large bank with a local family bank feel. In this role, you will cultivate new relationships and maintain strong associations with business clients. You will be responsible for driving sales results, while providing superior onsite services, advice and subject matter expertise to your clientele.

Summary:

• The Banker is a member of a relationship management team that is responsible for building relationships with businesses within an assigned region/community.

• The roles responsibility includes managing and cross-selling a client portfolio comprised of treasury management and/or credit clients with a focus on deepening relationships and generating additional revenue from existing clients.

• In addition to being the primary point of contact and key financial advisor for the client, the Banker is also accountable for developing new business.

• The Banker develops, markets and administers, demand and time deposits, existing loans and cross sells related banking accounts and services.

• The Banker should possess the ability to develop relationships with the appropriate decision makers within the clients or prospects company.

• The Banker should be capable of organizing, leading and negotiating with a team of Bank Associates in order to provide solutions to client issues.

Responsibilities:

• Develops and maintains the company's relationships with contacts/customers to maintain and expand business.

• Maintains a regular calling program on customers and prospects in order to generate high quality new deposit and loan business from existing clients in order to achieve or exceed specific production goals.

• Meets with existing customers and prospects through personal calling efforts and other contacts to discuss business needs and recommend ways in which the bank can help provide business solutions to all of their financial needs.

• Assists in planning the portfolio growth through the development of a business plan in alignment with departmental budget and consistent with overall Bank asset/liability management objectives.

• Responsible for expanding their prospect and COI base by consistently networking in the community.

• Responsible for the sale and administration of all banking services to include deposits, loans, investments, trust, etc. to businesses and/or individuals 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 competitors products and pricing in the market served.

• Responsible for the proper pre-qualification, structuring, pricing, and exception-free closing on all loans in their assigned area.

• Reviews demand deposit profitability analysis and outlines strategies to bring unprofitable accounts back to profitable status.

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

• Works with borrowing customers to procure updated financial information on an ongoing basis.

• Communicates lending decisions to customer.

• Follows up on loan exceptions to insure timely clearing. Controls volume of exceptions.

• Serves as a representative in various civic and community functions to further enhance its image and develop additional business.

Basic Qualifications:

• At least 2 years of Business Banking experience

Preferred Qualifications:

• 5+ years of Business Banking experience

• Formal credit training

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.

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 . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.