Relationship Manager III

•Location:    Ronkonkoma, NY 11779•Job Status:    Full Time, Employee•Job Category:    Sales/Retail/Business Development•Career Level::    Experienced (Non-Manager)Relationship Manager III Job Description:Summary:This position is the most senior level business development banker focused on developing service relationships with financial institutions or commercial clients.Develops, markets and administers existing loans, demand and time deposits, and cross sells related banking accounts and services.Supervises support employees and leads less experienced loan officers. Provides significant input into the overall goals, objectives, and budgets, and manages performance against goals.The incumbent serves banks, credit unions and savings & loans.The incumbent also serves “middle market” or larger businesses and corporations and includes specialty banking areas.For the purpose of setting this job’s parameters, the definition of “middle market” is based on annual sales and is set separately by each region.Businesses served may include those over $10MM in annual sales within some regions but include only those with annual sales of above $15MM in others.The incumbent may concentrate on national corporations or local companies.The incumbent Relationship Manager must maintain a level of total risk adjusted revenues generated in excess of $X.0 Million (on an annual basis) excluding public funds deposit spreads, as tracked by Customer Account Profitability (CAP).This is only one of the key considerations in determining eligibility for RM V.Other factors include the actual development and retention of the RM’s Client Base. Responsibilities:* Partners with department leadership or executive clients to set and execute strategy* Plans, develops and pursues an active customer call program, within the Bank structure, in order to attract new banking relationships.* Assists other account officers in their efforts to obtain new business and retain existing relationships for the bank.* Develops and maintains the company’s relationships with contacts/customers to maintain and expand business.* Makes regular calls on potential clients in order to generate high quality new loan, deposit, and fee business to achieve or exceed specific production goals.* Plans portfolio growth through the development of a business plan in alignment with departmental budget and consistent with overall Bank asset/liability management objectives.* Meets with customers through personal calling efforts, branch referrals and other contacts to discuss business needs and recommend ways in which the bank can serve their needs.* Responsible for the sale and administration of all financial institutions services to include loans, deposits, investments, trust, insurance, investments, trust, insurance, investment banking etc. within the assigned region.* Coordinates with various divisions and departments (Trust, Branches, Operations, etc.) in the servicing of routine transactions and in solving the special customers.* Maintains up-to-date knowledge of competitor’s products and pricing in the market served.* Responsible for the proper pre-qualification, structuring, pricing, and exception-free closing on all loans in his/her assigned area.* Reviews demand deposit profitability analysis and outlines strategies to bring unprofitable accounts back to profitable status.* Analyzes requests and associated financial data to determine if the loan meets acceptable risk standards.Evaluates risk and reviews the compensating demand deposit balances of each loan customer in order to properly price loan to meet profitability standards* Obtains collateral documents to be utilized as security on loans.Approves the release, substitution or collateral in accordance with loan policy.* Works with borrowing customers to procure updated financial information on an ongoing basis.* Presents credits in excess of personal lending authority to the Regional Lending Manager and the Senior Loan Committees as appropriate.Conveys decisions to customer.* Works with Loan Analysis unit in developing analytical work-ups on credits.* Follows up on loan exceptions to insure timely clearing.Controls volume of exceptions.Job Experience:Qualifications: * 4 year college degree in a business related field (MBA preferred)* 7 years of experience in branch banking or business bankingNo agencies please. Capital One is an equal opportunity employer dedicated to diversity in the workplace. We promote a drug-free work environment.Minimum Education Required: BachelorYears of Experience Required: More than 5 yearsExpected Travel Time: About 25%  _________________________________________________ We are an equal opportunity employer committed to diversity in the workplace. We promote a drug-free work environment.