Commercial Relationship Manager - NOVA Market

Capital Bank•Reston, VA

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 personalized approach, cutting-edge technology, and comprehensive services drive our growth and customer support. We are recognized as one of the "Best Banks to Work For" in the U.S. by American Banker for six of the last seven years. This Commercial Relationship Manager (CRM / RM) is an outside sales role focused on acquiring new and maintaining existing Commercial and Industrial (C&I) relationships. The target for C&I RMs is 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 growing the Bank's C&I portfolio and deposit base, meeting annual goals, and ensuring the credit quality of the C&I portfolio meets bank 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 and is experienced with directly negotiating the 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.

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 requests for review and presents them at Loan Committee meetings for approval.
Approves or recommends sound loans within lending authority and bank policy, demonstrating attention to analysis, loan structure, and pricing relative to risk and borrower value.
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 assigned loans for compliance with loan terms, proper 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.
Collaborates with team members on loan write-ups and deal structures, ensuring 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.