Commercial Relationship Manager - DC Metro Market

Capital Bank•Rockville, MD

1d•Hybrid

About The Position

Capital Bank N.A. is seeking a Commercial Relationship Manager (CRM / RM) for the DC Metro Market. This is an outside sales role focused on acquiring new and maintaining existing Commercial and Industrial (C&I) relationships within the Bank. The ideal candidate will target relationships with $5,000,000 or more in revenue and $2,500,000 or more in loan requests, though these are guidelines. The role 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.
Understands both the structure of loans and deposit solutions.
Experienced with directly negotiating terms.
Understanding and knowledge of loan documentation and working with outside counsel.
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, working with the Commercial Relationship Liaison and Credit Administration team to prepare credit request files for review.
Attends Loan Committee meetings and presents credit requests for approval.
Approves or recommends for approval sound loans, considering 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.
Ensures deals presented to Loan Committee are sound and within guidelines.
Works closely with the C&I Team Leader and C&I Market Executive to execute strategies for business growth.
Collaborates with the Treasury Services team to create and execute strategies for increasing deposits and treasury services relationships.
Works with the team to create and execute the annual sales plan.
Acts as a leader in the market by attending community events, networking, serving on non-profit boards, and developing Centers of Influence.