Virtual Business Banker II

Capital One • McLean, VA

1d • $122,100 - $139,400 • Remote

About The Position

The Virtual Business Banker II (VBB II) supports daily operations and executes inbound and outbound phone-based retention and sales activities. The role focuses on proactively retaining and deepening an existing portfolio of complex, high-net-worth small business owner relationships by cross-selling business products and services, while building relationships that may generate additional sales through outbound calls. The banker applies an understanding of complex business cash flow cycles and advanced business credit sales skills within an established client-contact strategy and sales process. Customers are typically business banking clients from complex Business Banker Manager, Senior Manager, and Director portfolios.

The position manages an assigned book of business and acquires new relationships through leads, referrals, and campaigns. It works with internal partners to support customers, maintains a regular calling cadence, identifies appropriate product solutions, and follows up on referred Treasury Management and Merchant Services needs. The role also requires effective use of customer relationship management and sales systems, sound problem resolution, compliance with risk and regulatory requirements, and collaboration on assigned initiatives.

The listed full-time annual salary ranges vary by location: $122,100–$139,400 for the sales territory, Mandeville, LA, Plano, TX, and Richmond, VA; $134,400–$153,300 in McLean, VA; and $146,600–$167,300 in New York, NY. The role is also eligible for performance-based incentive compensation, which may include cash bonuses and/or long-term incentives. Capital One offers health, financial, and other benefits; eligibility varies by employment status and other factors.

Requirements

• At least 2 years of Business Banking experience.

Nice To Haves

• 5 or more years of Business Banking experience.
• At least 1 year of phone-based sales experience.
• Formal credit training.

Responsibilities

• Manage, retain, and deepen an assigned book of business and acquire new relationships through assigned leads, referrals, and sales campaigns.
• Build and foster a strong network of internal partners, including Treasury Management Officers, Merchant Services, Business Card representatives, Market Credit Executives, and Sales Support.
• Multitask effectively in a virtual setting while engaging clients and prospects proactively.
• Navigate customer relationship management software and other relevant applications simultaneously.
• Use the Sales Relationship Management system to record calls, pipeline activities, and sales results.
• Maintain a regular calling cadence with clients and leads to generate deposit, treasury, and lending business and achieve or exceed targets.
• Demonstrate understanding of complex business cash flow cycles, treasury management, operating cash flow, and business financial statements.
• Assess customer needs and recommend alternative products or solutions through defined sales processes.
• Establish rapport with clients and prospects, understand their business operating models, and recommend appropriate products and services.
• Refer customers with complex Treasury Management and Merchant Services needs to the appropriate channel and follow up to ensure products or accounts are opened and engaged.
• Resolve problems appropriately by referring servicing issues to the relevant servicing call center or support associate.
• Execute risk management and compliance protocols during the sales process and in all client and prospect interactions.
• Adhere to regulatory requirements and internal policies and procedures.
• Collaborate on special projects or initiatives as assigned.
• Hold self and others accountable for demonstrating Capital One’s values in interactions with colleagues, customers, direct reports, and supervisors.

Benefits

• Comprehensive health, financial, and other benefits supporting total well-being; eligibility varies by full- or part-time status, exempt or non-exempt status, and management level.
• Performance-based incentive compensation, which may include cash bonuses and/or long-term incentives.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed