2. POOPs Agenda The business of banking
Considering careers in financial services
About Bank One
Lines of business and career opportunities
An overview of commercial banking
Opportunities within commercial banking
Getting started in commercial banking
Conclusion

3. 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.
Since the mid 80’s, the number of banks has steadily declined at the rate of about 400 banks per year.
Banks can now offer everything from deposit accounts to mortgages to investments and insurance.
Customers now have access to view their accounts and make transactions 24 hours a day.

4. 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.
The tasks you do in commercial banking will very each day. Since we are actively involved in our customer relationships, our days will often need to adjust around the needs of our customers.
Many of our customers are entrepreneurs. We aim to be a trusted financial advisor to them and our actively involved in their businesses.
We use both internally and externally developed software to analyze our customers and serve them.

5. Bank One Overview
Headquartered in Chicago, Bank One Corporation is the nation's sixth- largest bank holding company, with assets of more than $260 billion.
A leader in retail and small business banking, serving more than 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.

6. Lines of Business and Career Opportunities
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

7. 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.

8. 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.

9. Careers in Commercial Banking
Capital Markets Product Specialists provide access to a wide range of capital markets expertise, including:
M & A Advisory
Asset Securitization
Loan Syndication
Derivatives
Inv. Grade Securities
Mezzanine Financing
Private Equity
Other Areas
Treasury Management
Private Client Services
Insurance
Leasing
International
Investment Management
Credit Cards

10. 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
Successful candidates in this program have a Bachelor’s in Business with a major in Accounting, Finance, or Marketing and a minimum GPA of We look for people with strong analytical skills as well as excellent communication and leadership skills.
Training is very important to us at Bank One. The first six weeks on the job are spent in the classroom learning the fundamentals of commercial banking. You then move out into your six month rotations. During each six month rotation, analysts attend additional training courses approximately once a month.

11. The Power of ONE
We will deliver exceptional results through exceptional people.
“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
We are a highly respected, world-class 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.