Commercial Relationship Manager - DC Metro Market

Capital Bank•Rockville, MD

2d•$170,000 - $210,000•Hybrid

About The Position

Capital Bank N.A. is a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets, headquartered in Maryland and serving communities since 1999. We offer commercial and consumer banking services primarily in Maryland, DC, and Northern Virginia, along with two nation-wide lending brands: Capital Bank Home Loans and OpenSky. Our growth is fueled by a personalized approach to banking, advanced technology, and a comprehensive suite of products and services. We are recognized as one of the "Best Banks to Work For" in the U.S. by American Banker for 6 out of the last 7 years. This Commercial Relationship Manager (CRM / RM) role is an outside sales position focused on acquiring new and maintaining existing Commercial and Industrial (C&I) relationships within the Bank. The target for C&I relationships is typically $5,000,000 or more in revenue and $2,500,000 or more in loan requests, though these are guidelines. The CRM is responsible for generating revenue, growing the C&I portfolio and deposit base, and ensuring the credit quality of the portfolio meets the Bank's standards.

Requirements

Previous and successful sales experience as a Commercial Relationship Manager/ Loan Officer/Business Banker with experience in C&I lending.
Experience doing business with C-Level executives and investors.
Experience in all aspects of the loan and credit process.
Good understanding of how the banking industry operates.
Advanced underwriting skills.
Highly analytical.
Strong credit acumen and experience.
Understanding of both loan structure and deposit solutions.
Experience with directly negotiating terms.
Understanding and knowledge of loan documentation.
Experience working with outside counsel to ensure correctness.
Knowledge of lending and depository procedures and regulations.
Proficient in Microsoft Office Software Suite (Word, Excel, PowerPoint, etc.).
Excellent verbal and written communication skills.
Ability to travel within the defined market area as needed.
Market area focus to include Washington DC and Montgomery County, MD surrounding areas.

Responsibilities

Works with existing and prospective customers to obtain and retain business relationships, with a focus on C&I customers.
Leads the credit process by working with the Commercial Relationship Liaison and Credit Administration team to prepare credit request files for review, and presents credit requests for approval at Loan Committee meetings.
Approves or recommends for approval sound loans, ensuring attention to analysis, loan structure, and pricing relative to risk and borrower value, within lending authority and bank loan policy.
Facilitates closings with customers, 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 for large borrowers.
Monitors existing assigned loans for compliance with loan terms, proper loan risk ratings, timely past due management, and problem loan detection.
Understands and complies with regulatory compliance matters affecting lending processes.
Acts as the escalation point for the assigned team regarding issues that arise.
Works with team members on loan write-ups and deal structures, ensuring deals presented to Loan Committee are sound and within guidelines.
Collaborates with the C&I Team Leader and C&I Market Executive to execute strategies for business growth.
Works closely with the Treasury Services team to create and execute strategies for increasing deposits and treasury services relationships.
Contributes to the creation of the annual sales plan and executes the plan.
Acts as a market leader by attending community events, networking, serving on local non-profit boards, and developing Centers of Influence.