Business Banking, Market Credit Executive - MD/DC/VA
Capital One is a diversified bank that offers a broad array of financial products and services to consumers, small business and commercial clients. Capital One is one of the nation’s top 10 banks and has one of the most widely recognized brands in America. Capital One is filled with bright, creative, forward-thinking (people/individuals) who share an entrepreneurial spirit and a passion for what they do every day. By bringing together associates with a variety of thoughts, ideas and backgrounds, Capital One has created a unique and refreshing bank atmosphere of excitement, encouragement and energy.
Every choice we make at Capital One® is guided by our values: Excellence and Do the Right Thing. Our values serve as the cornerstone of our culture and guide how our associates interact with each other and our customers.
At Capital One, we don’t hire people for positions—we hire people to build evolving, fulfilling careers. Associates have an extraordinary opportunity to help shape the future of a company that is challenging its competitors and moving strategically toward industry leadership. Capital One is looking for true “game changers” who are passionate about doing what is right for our customers, our associates and our industry.
Do you have a passion for driving business results and mentoring a team of top performing bankers? If you want to play a crucial role in meeting the needs of Capital One’s Business customers, then we have the role for you! This is an opportunity to champion a customer centric culture within Capital One. In this role, you will partner with business banking teams within your region to cultivate new relationships and maintain strong associations with business clients. You will be responsible for driving sales results for your business segment, while providing superior onsite services and subject matter expertise to your team and clientele.
Capital One has a distinct competitive advantage from being a relatively young bank that can move quickly and challenge the status quo. We’re creative and innovative, not stuck in a rut from decades of doing things the same old way. Bankers have an extraordinary opportunity to help shape the future of a company that is challenging its competitors and moving strategically toward industry leadership. Our flexibility has positioned us as the challenger in the market, and we are poised for tremendous growth. All of these factors have come together at the perfect time to create an unprecedented opportunity for Bankers to develop untapped business among Capital One customers.
Works closely with the Market Sales Executive (MSE) and the Business Bankers to help drive new business and retain the Business Banking credit portfolio. Serve as the Credit Coach for the Market to ensure that the Bankers are observing the client selection model, maintaining loan profitability and meeting credit production, fee and overall revenue goals.
-Reviews and establishes objectives and procedures. Administering policies as they affect the Business Banking operation within the assigned region.
-Partners with the MSE to manage the Business Banking Officers to effectively meet all of their production and growth goals.
-Foster high levels of performance through candid feedback and coaching by working with the Bankers to ensure that they continue to improve product knowledge and credit skills.
-Coach the Business Bankers to become a Trusted Advisor to our clients and to focus on building long term relationships.
-The MCE is a key member of the Regional Leadership team and will develop strong relationships with the Regional Executive, MSE other MCEs as well as all the other Business Partners.
-Lead pre-screen activities with Bankers, MSE, and underwriters.
-Direct client negotiation and participate in joint calling with the Business Bankers in support of priority credit opportunities.
-Manages Business Bankers to effectively meet customer and bank demands. Reviewing and augmenting the activities of Business Bankers through direct client contact.
-Maintains a sales culture within the region which is consistent with corporate sales strategies and objectives.
-Proactively manages team to balance risk and client needs.
-Works with the MSE to develop a strategic and profit plan for Business Banking within the region. Monitors and manages ongoing region performance (credit growth production) to established objectives.
-Ensures complete and accurate documentation is submitted so that proper loan underwriting and structuring can be achieved.
-Researches potential prospects and guides business bankers in capitalizing on opportunities to close sales with referrals.
-Monitors and reports status of all exceptions and past dues on commercial loans in accordance with loan policy. Follows up on credit quality ratings with Business Banker and reviews credits to identify and recommend changes on new and existing loan households.
-Participates in business portfolio assessment for their city/region.
-Helps the bank achieve Community Reinvestment Act (CRA) goals by participating in public relations activities and contacting local Community Reinvestment Act organizations within the community. Encourages similar participation among subordinates.
-Coordinate Business Banking activities with Trade Area Mangers in each designated geographic region to set Small Business product sales and service objectives. Monitors results versus objectives and recommends necessary strategic adjustments to ensure that objectives are reached.
-Identifies needs and arranges group and individual training to Retail Banking Staff in support of mass market Small Business sales and service effort. May participate directly in training.
-Completion of a formal Commercial Credit Training Program
-Bachelor’s Degree or military experience
-Eight years of commercial and small business lending experience
-Three years of Sales Management experience
At this time, Capital One will not sponsor a new applicant for employment authorization for this position.