Dealer Relationship Manager

Imagine a Fortune 500 company with a real maverick streak. A financial powerhouse poised to redefine its own industry. Yes, Capital One has moved into the world of retail banking! Capital One Financial Corporation is a holding company offering an unmatched range of financial products and services to consumers, small businesses and commercial clients. We're headquartered in McLean, Virginia, with more than 316 locations in Texas and Louisiana - but our ambitions are truly national.

So what does this mean for you? How about the chance to excel in our supportive, team-oriented environment. To be challenged to advance your skills alongside the brightest talent in the business. And to take on important responsibility from day one while building a rewarding career - all with a fast-growing industry leader.

JOB FUNCTION:
Focuses on developing service relationships with automobile, marine, and leisure product dealers. Develops, markets and administers existing loans, demand and time deposits, and cross sells related banking accounts and services.? May assist and guide other less experienced Dealer Relationship Managers.? Total credit relationships are between 4 and 10 million dollars.

REGULAR DUTIES:
? Develops and maintains the company's relationships with dealers to maintain and expand business.
? Makes regular calls on potential clients in order to generate high quality new loan and deposit business to achieve or exceed specific production goals.
? Meets with clients through personal calling efforts, branch referrals and other contacts to discuss business needs and recommend ways in which the bank can serve their needs.
? Assists in planning the portfolio growth through the development of a business plan in alignment with departmental budget and consistent with overall Bank asset/liability management objectives.
? 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 relationship 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 and is within policy. 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 or substitution of 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 Manager as appropriate.? Conveys decisions to customer.
? All other job related duties/special projects as assigned.
? Interviews loan applicants to determine their borrowing needs and to define financial strength and credit status.

Required Skills:
REQUIRED EDUCATION/EXPERIENCE:
? College Degree or equivalent work experience
? Business or Finance degree--preferred
? 3+ years experience with developing and servicing dealer relationships
? Completion of Formal Credit training program or the equivalent in work experience.

REQUIRED FUNCTIONAL AND BUSINESS KNOWLEDGE/SKILLS:
? Strong organizational and planning skills
? Independent and self motivated
? Detail orientated
? Ability to effectively communicate orally and in writing
? Financial analytical skills and techniques
? Sales skills
? Knowledge of competing institutions and products within the market to be served
? Strong interpersonal skills
? Good negotiation skills
? Understanding of finance and accounting principles as it related to lending activities
? Knowledge of general banking operations
? Comprehensive knowledge of?credit
? Credit Department Functions
? Regulation Z
? Knowledge of loan forms and documentation
? Understanding of computer applications
? Understanding of loan policy

ESSENTIAL PHYSICAL/MENTAL REQUIREMENTS:
? Ability to work under stress and meet deadlines
? Ability to operate a keyboard
? Ability to read a document
? Ability to lift/move/carry approximately 20 pounds if required to perform the essential job functions.? If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department an "undue hardship" then the employee must be accommodated; hence, omitting lifting as a physical requirement.

HOW TO APPLY:
Please visit www.capitalone.com/careers
Click on "Search Hourly Positions"
Job Reference #16516
Location:? Baton Rouge Main Office




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