What are the responsibilities and job description for the SVP, Commercial Relationship Manager position at Capital Bank, N.A.?
About Us
Make sure to apply quickly in order to maximise your chances of being considered for an interview Read the complete job description below.
Capital Bank N.A. is headquartered in Maryland, and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ : CBNK) with over $2 billion in assets. We offer commercial and consumer banking services to clients in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.
Come join a bank where our employees thrive and are engaged in meaningful work. For the last 5 out of 6 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.
Position Purpose
The Commercial Relationship Manager (RM) is an outside sales role focusing on acquiring new and maintaining existing Commercial and Industrial (C&I) relationships in the Bank. A C&I RM targets relationships equal to or greater than $5,000,000 in revenue and equal to or greater than $2,500,000 in loan requests for the Bank. The loan size and revenue size serve as guidelines and actual relationships and loans may be above or below the stated amounts.
The role has overall responsibility for ensuring that the Bank is generating revenue and growing the overall C&I portfolio and deposit base within the Commercial Bank based on the parameters outlined above and is accountable for meeting and / or exceeding their goals each year. Further, the role ensures that the overall credit quality of the C&I portfolio meets the credit standards for the Bank.
Position Responsibilities
- With a focus on C&I customers, works with existing and prospective customers to obtain and retain business relationships.
- Leads the credit process working with the Commercial Relationship Liaison and the Credit Administration team to prepare credit request files for review and will attend the Loan Committee meetings and present the credit requests for approval.
- Approves or recommends for approval sound loans reflecting attention to analysis, loan structure, and pricing relative to the risk and value of the borrower within lending authority and bank loan policy.
- Facilitates closings with the customer, settlement agents, and / or attorneys.
- Services and manages the loan portfolio in partnership with the Portfolio Manager.
- Negotiates complex pricing, loan structure, and loan agreement issues on large borrowers.
- Monitors existing assigned loans to ensure complete compliance with loan terms, proper loan risk ratings, timely past due management, and problem loan detection.
- Understands regulatory compliance matters that directly affect lending processes and is committed to complying with those requirements.
- Acts as the escalation point for the assigned team in relation to issues that arise.
- Works with team members on loan write-ups and deal structures. Ensures that deals that go to Loan Committee are sound and within the guidelines set by the Loan Committee.
- Works closely with the C&I Team Leader and C&I Market Executive to execute strategies to drive business.
- Works closely with the Treasury Services team to create and execute strategies to increase deposits and treasury services relationships.
- Works with the team to create the annual sales plan and execute the plan accordingly.
- Be a leader in the market they serve. This includes but is not limited to attending community events, networking, serving on the boards of local non-profits, and developing Centers of Influence.
Technical Knowledge and Skills
Working Arrangements
Compensation :
Why Join Us?
Supporting Businesses. Helping People. Strengthening Communities.
Capital Bank, N.A. is an E-Verify, Affirmative Action and Equal Opportunity Employer.
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Salary : $175,000 - $200,000
