Business Banker - Philadelphia Market

About the role

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.

Responsibilities

• Develops and maintains the company's relationships with contacts and 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.
• Maintains 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.
• Affords assistance 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.
• Expands the prospect and COI base by consistently networking in the community.
• Sells and administers 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' issues.
• 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.

Qualifications

• At least 1 year of Business Banking experience
• Preferred qualifications: At least 3 years of Business Banking experience