POOPs Agenda l The business of banking l Considering l About l Lines l An careers in financial services Bank One of business and career opportunities overview of commercial banking l Opportunities l Getting within commercial banking started in commercial banking l Conclusion
The Business of Banking l The industry is consolidating. l Changes in banking regulations have expanded the scope of products and services offered by banks. l Advancements in technology allow banks to meet the needs of more customers in more effective ways. l Competition within the industry is intensifying.
Consider a Career in Financial Services If You: l Like variety in the tasks you do and the issues you deal with everyday. l Like working with customers and solving their problems. l Like dealing with technology and applying it to solve problems and meet customer needs. l Enjoy following and understanding the financial markets and the markets’ effects on your customers’ businesses. l Enjoy helping customers make financial and business decisions.
Bank One Overview l Headquartered in Chicago, Bank One Corporation is the nation's sixthlargest bank holding company, with assets of more than $260 billion. l A leader in retail and small business banking, serving more than 7. 1 million retail households and nearly 500, 000 small businesses in 14 states. l A premier provider of lending, treasury management, and capital markets products to corporations and middle market businesses. l The third largest credit card issuer in the United States, with more than 53 million cards in circulation and $65 billion in managed receivables. l A leading investment management company, with $146 billion of assets under our care.
Lines of Business and Career Opportunities l l l Bank One Scholar Program Commercial Banking è Commercial Banking Development Program Corporate Staff è Finance & Accounting Analyst Professional Development Program è Corporate Audit & Security Professional Development Program Credit Card è First USA Business Associate Program National Enterprise Operations è National Enterprise Operations Management Development Program Retail Banking è National Retail Management Development Program è In-Store Sales Management Training Program
Commercial Banking Overview l Providing credit, treasury management, capital markets, and other financial services to customers. l Segmented by customer’s annual sales volume. èSmall Business ( < $5 MM ) èMiddle Market ( between $5 MM and $250 MM ) èLarge Corporate ( > $250 MM) l Segmented by type of business. l Segmented by geography.
Careers in Commercial Banking l Relationship Management è The “Banker” or “Relationship Manager” serves as the primary point of contact with the Customer. è Division, Group and Market Managers manage the customer portfolio from a business development perspective. l Credit and Risk Management è Underwriters work with the Customer and the Banker to structure each transaction so that it provides a solution for the Customer and is an acceptable risk for the bank. è Credit Approval Officers manage the customer portfolio from a risk management perspective.
Careers in Commercial Banking l Capital Markets Product Specialists provide access to a wide range of capital markets expertise, including: è è è è M & A Advisory Asset Securitization Loan Syndication Derivatives Inv. Grade Securities Mezzanine Financing Private Equity l Other Areas è è è è Treasury Management Private Client Services Insurance Leasing International Investment Management Credit Cards
Getting Started in Commercial Banking: The Commercial Banking Development Program l 12 -24 month program l Opportunities throughout Indiana, Michigan, Illinois, Ohio, Kentucky, Wisconsin, Texas, Louisiana, Oklahoma, and Arizona. l 2 -4 six-month rotations l Classroom education è overview of commercial banking è credit analysis skills and product training è ongoing skill development training l On-the-job experiences è analyzing customers è structuring deals è participating in customer meetings
The Power of ONE We will deliver exceptional results through exceptional people. We are a highly respected, worldclass financial services company committed to being the best in all we do: superior performance, quality service, a great place to work. We value our customers, teamwork, extraordinary performance, ethics and integrity, people, and speed and simplicity. “I am excited by Bank One’s powerful franchise, its dedicated employees and its bright future. Together, we can serve our customers exceptionally well and realize our goal of being America’s premier financial institution. ” Jamie Dimon Bank One Chairman and CEO
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