C&I Relationship Manager - NOVA Market (Hybrid)

Capital Bank; Reston (VA); Hybrid; USD 170,000 - 210,000; Full time

Benefits offered by this job

Comprehensive benefits

401k contributions

Parental leave

Tuition reimbursement

Employee recognition program

Life insurance

Job summary

Capital Bank, N.A. in Reston, VA, seeks a Commercial Relationship Manager to grow and maintain a C&I portfolio, manage loan processes, and drive revenue with a hybrid work arrangement in NOVA.

You will engage with C-suite prospects and lead complex loan discussions while ensuring credit quality and deposit growth. The ideal candidate has extensive C&I experience, strong underwriting and negotiation skills, and a track record of closing sizable commercial deals.

Qualifications

• Advanced underwriting skills.
• Highly analytical in nature.
• 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 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.

Responsibilities

• With a focus on C&I customers, works with existing and prospective customers to obtain and retain business relationships.
• Leads the credit process workings with the Commercial Relationship Liaison and the Credit Administration team to prepare credit requests files for review and will attend the Loan Committee meetings and present the credit requests for approval.
• Approves or recommends for approval sound loans reflecting attention to analysis, loan structure, and pricing relative to the risk and value of the borrower within lending authority and bank loan policy.
• Facilitates closings with the customer, 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 on large borrowers.
• Monitors existing assigned loans to ensure complete compliance with loan terms, proper loan risk ratings, timely past due management, and problem loan detection.
• Understands regulatory compliance matters that directly affect lending processes and is committed to complying with those requirements.
• Acts as the escalation point for the assigned team in relation to issues that arise.
• Works with team members on loan write-ups and deal structures. Ensures that deals that go to Loan Committee are sound and within the guidelines set by the Loan Committee.
• Works closely with the C&I Team Leader and C&I Market Executive execute strategies to drive business.
• Works closely with the Treasury Services team to create and execute strategies to increase deposits and treasury services relationships.
• Works with the team to create the annual sales plan and execute the plan accordingly.
• Be a leader in the market they serve. This includes but is not limited to attending community events, networking, serving on the boards of local non-profits, and developing Centers of Influence.
• 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 and a good understanding of how the banking industry operates.

Skills

Underwriting

Analytical thinking

Credit analysis

Communication skills

Negotiation

MS Office

Tools

MS Office

Job description

Capital Bank, N.A. in Reston, VA, seeks a Commercial Relationship Manager to grow and maintain a C&I portfolio, manage loan processes, and drive revenue with a hybrid work arrangement in NOVA.

You will engage with C-suite prospects and lead complex loan discussions while ensuring credit quality and deposit growth. The ideal candidate has extensive C&I experience, strong underwriting and negotiation skills, and a track record of closing sizable commercial deals.