POOPs Agenda
 The
business of banking
 Considering
 About
 Lines
 An
careers in financial services
Bank One
of business and career opportunities
overview of commercial banking
 Opportunities
 Getting
within commercial banking
started in commercial banking
 Conclusion
The Business of Banking
 The
industry is consolidating.
 Changes
in banking regulations have expanded
the scope of products and services offered by
banks.
 Advancements
in technology allow banks to meet
the needs of more customers in more effective
ways.
 Competition
within the industry is intensifying.
Consider a Career in Financial Services If You:
 Like
variety in the tasks you do and the issues
you deal with everyday.
 Like
working with customers and solving their
problems.
 Like
dealing with technology and applying it to
solve problems and meet customer needs.
 Enjoy
following and understanding the financial
markets and the markets’ effects on your
customers’ businesses.
 Enjoy
helping customers make financial and
business decisions.
Bank One Overview

Headquartered in Chicago, Bank One Corporation is the nation's sixthlargest bank holding company, with assets of more than $260 billion.

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.

A premier provider of lending, treasury management, and capital
markets products to corporations and middle market businesses.

The third largest credit card issuer in the United States, with more
than 53 million cards in circulation and $65 billion in managed
receivables.

A leading investment management company, with $146 billion of
assets under our care.
Lines of Business and Career Opportunities

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Bank One Scholar Program
Commercial Banking
 Commercial Banking Development Program
Corporate Staff
 Finance & Accounting Analyst Professional
Development Program
 Corporate Audit & Security Professional
Development Program
Credit Card
 First USA Business Associate Program
National Enterprise Operations
 National Enterprise Operations Management
Development Program
Retail Banking
 National Retail Management Development
Program
 In-Store Sales Management Training Program
Commercial Banking Overview
 Providing
credit, treasury management, capital
markets, and other financial services to
customers.
 Segmented
by customer’s annual sales volume.
Small Business ( < $5MM )
Middle Market ( between $5MM and $250MM )
Large Corporate ( > $250MM)
 Segmented
by type of business.
 Segmented
by geography.
Careers in Commercial Banking
 Relationship Management
 The “Banker” or “Relationship Manager” serves as the
primary point of contact with the Customer.
 Division, Group and Market Managers manage the customer
portfolio from a business development perspective.
 Credit and Risk Management
 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.
 Credit Approval Officers manage the customer portfolio
from a risk management perspective.
Careers in Commercial Banking

Capital Markets
Product Specialists
provide access to a
wide range of capital
markets expertise,
including:
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M & A Advisory
Asset Securitization
Loan Syndication
Derivatives
Inv. Grade Securities
Mezzanine Financing
Private Equity

Other Areas

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Treasury Management
Private Client Services
Insurance
Leasing
International
Investment
Management
Credit Cards
Getting Started in Commercial Banking:
The Commercial Banking Development Program
 12-24
month program
 Opportunities
throughout Indiana, Michigan, Illinois,
Ohio, Kentucky, Wisconsin, Texas, Louisiana, Oklahoma,
and Arizona.
 2-4
six-month rotations
 Classroom education
 overview of commercial banking
 credit analysis skills and product training
 ongoing skill development training
 On-the-job experiences
 analyzing customers
 structuring deals
 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