Job Description
About Us
Capital Bank N.A. is headquartered in Maryland, and has been serving our communities since 1+++. We stand as a publicly traded company (NASDAQ: CBNK) with over $2 billion in assets. We offer commercial and consumer banking services to clients in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.
Come join a bank where our employees thrive and are engaged in meaningful work. For the last 4 out of 5 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.
Position Purpose
Capital Bank is seeking a VP, Credit & Portfolio Officer to join the commercial credit team. The Credit & Portfolio Review Officer is responsible for conducting independent loan reviews for the Bank’s commercial loan portfolio. The Credit & Portfolio Review Officer will perform credit analysis including financial statement analysis, cash flow, stress testing, collateral analysis, and covenant testing. The primary objective is to ensure that individual and overall loan relationships are performing adequately, are properly risk rated and are conforming to Bank policy. The reviews and analysis performed will help the Bank manage the risk in the loan portfolio by identifying positive or negative trends as compared to when the loans were originated.
Position Responsibilities
• Demonstrate an ability to consistently apply the techniques of financial analyses within the scope of accepted business practices and in accordance with the Bank’s Commercial Loan Underwriting and Credit Administration policies and procedures.
• Complete minimum number of reviews as a percentage of the portfolio to:
• assess compliance with applicable rules and regulations as well as the Bank’s Loan Policy including proper loan approval and loan structure.
• evaluate the loan files for documentation completeness, documentation accuracy and lien perfection to ensure enforceability of the Bank’s security position.
• assess risk ratings and ensure accuracy and timeliness of risk rating changes.
• Provide management with quarterly trend reporting illustrating completed loan reviews that identify risk rating changes by segment and accurately identifies the direction and quantity of risk within the Bank’s loan portfolio.
• Maintain the range of financial statement exceptions below policy maximum.
• Adhere to the internal loan review workflow systems for completion of outstanding relationship loan reviews delivering measurable results within the timeframes that are appropriate based on a risk balanced approach that is appropriate for the size and complexity of the assigned reviews.
• Demonstrate technical knowledge as an additional resource for credit related subject matter that enhances the communication of the Bank’s credit policy.
• Attend and participate in Management Loan Committee, Credit Loan Committee and Pass/Watch Meetings as needed.
• Demonstrate an ability to creatively apply and use expertise appropriate to a specialized project or situation/problem that provides benefit to the Bank overall.
• Function as liaison with external Loan Review Team, internal and external Audit Team to ensure that financial statement requirements are up to date to allow efficient completion of outside loan review and audit.
Minimum Education & Experience
• Bachelor's degree in relevant field or equivalent work experience
• 5+ years of experience in a commercial lending environment with proven experience in credit evaluation, appraisal review, and portfolio risk assessment
Technical Knowledge And Skills
• Demonstrate knowledge and awareness of regulatory compliance requirements with a particular focus on credit related regulations.
• Demonstrate an ability to be part of a harmonious working relationship among the credit team as well as internal Bank clients with an ability to exercise good judgment.
• Detailed knowledge and understanding of credit and financial analysis tools and techniques.
• Ability to identify and quantify business risks and the key drivers of risk and focus decisions accordingly.
• Strong written and oral communication skills.
• Strong organizational skills with ability to set priorities in a multi-task environment and meet deadlines.
• Demonstrated proficiency with Windows based applications.
Working Arrangements
• This is a hybrid role expected to work in office Monday, Tuesday, Thursday, and Friday. You will be able to work remotely on Wednesday.
Compensation
• Base Salary Range: $102,412 - $153,61+ annually. Final determination of where you are at in the salary range is based on numerous factors such as relevant experience, skill set, education, and ability to meet qualifications within the job description.
• Additional Compensation: This role will include a yearly annual target bonus based on individual performance.
Why Join Us?
• Join a growing company with a culture that fosters an entrepreneurial spirit
• Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more!
• Company Contributions to your 401k - Regardless of your contribution
• Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more!
• Generous Paid Time Off and Paid Holidays – Including Paid Charity Hours to support volunteer opportunities
Supporting Businesses. Helping People. Strengthening Communities.
Capital Bank, N.A. is an Affirmative Action, E-Verify, and Equal Opportunity Employer.
Capital Bank N.A. is headquartered in Maryland, and has been serving our communities since 1+++. We stand as a publicly traded company (NASDAQ: CBNK) with over $2 billion in assets. We offer commercial and consumer banking services to clients in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.
Come join a bank where our employees thrive and are engaged in meaningful work. For the last 4 out of 5 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.
Position Purpose
Capital Bank is seeking a VP, Credit & Portfolio Officer to join the commercial credit team. The Credit & Portfolio Review Officer is responsible for conducting independent loan reviews for the Bank’s commercial loan portfolio. The Credit & Portfolio Review Officer will perform credit analysis including financial statement analysis, cash flow, stress testing, collateral analysis, and covenant testing. The primary objective is to ensure that individual and overall loan relationships are performing adequately, are properly risk rated and are conforming to Bank policy. The reviews and analysis performed will help the Bank manage the risk in the loan portfolio by identifying positive or negative trends as compared to when the loans were originated.
Position Responsibilities
• Demonstrate an ability to consistently apply the techniques of financial analyses within the scope of accepted business practices and in accordance with the Bank’s Commercial Loan Underwriting and Credit Administration policies and procedures.
• Complete minimum number of reviews as a percentage of the portfolio to:
• assess compliance with applicable rules and regulations as well as the Bank’s Loan Policy including proper loan approval and loan structure.
• evaluate the loan files for documentation completeness, documentation accuracy and lien perfection to ensure enforceability of the Bank’s security position.
• assess risk ratings and ensure accuracy and timeliness of risk rating changes.
• Provide management with quarterly trend reporting illustrating completed loan reviews that identify risk rating changes by segment and accurately identifies the direction and quantity of risk within the Bank’s loan portfolio.
• Maintain the range of financial statement exceptions below policy maximum.
• Adhere to the internal loan review workflow systems for completion of outstanding relationship loan reviews delivering measurable results within the timeframes that are appropriate based on a risk balanced approach that is appropriate for the size and complexity of the assigned reviews.
• Demonstrate technical knowledge as an additional resource for credit related subject matter that enhances the communication of the Bank’s credit policy.
• Attend and participate in Management Loan Committee, Credit Loan Committee and Pass/Watch Meetings as needed.
• Demonstrate an ability to creatively apply and use expertise appropriate to a specialized project or situation/problem that provides benefit to the Bank overall.
• Function as liaison with external Loan Review Team, internal and external Audit Team to ensure that financial statement requirements are up to date to allow efficient completion of outside loan review and audit.
Minimum Education & Experience
• Bachelor's degree in relevant field or equivalent work experience
• 5+ years of experience in a commercial lending environment with proven experience in credit evaluation, appraisal review, and portfolio risk assessment
Technical Knowledge And Skills
• Demonstrate knowledge and awareness of regulatory compliance requirements with a particular focus on credit related regulations.
• Demonstrate an ability to be part of a harmonious working relationship among the credit team as well as internal Bank clients with an ability to exercise good judgment.
• Detailed knowledge and understanding of credit and financial analysis tools and techniques.
• Ability to identify and quantify business risks and the key drivers of risk and focus decisions accordingly.
• Strong written and oral communication skills.
• Strong organizational skills with ability to set priorities in a multi-task environment and meet deadlines.
• Demonstrated proficiency with Windows based applications.
Working Arrangements
• This is a hybrid role expected to work in office Monday, Tuesday, Thursday, and Friday. You will be able to work remotely on Wednesday.
Compensation
• Base Salary Range: $102,412 - $153,61+ annually. Final determination of where you are at in the salary range is based on numerous factors such as relevant experience, skill set, education, and ability to meet qualifications within the job description.
• Additional Compensation: This role will include a yearly annual target bonus based on individual performance.
Why Join Us?
• Join a growing company with a culture that fosters an entrepreneurial spirit
• Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more!
• Company Contributions to your 401k - Regardless of your contribution
• Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more!
• Generous Paid Time Off and Paid Holidays – Including Paid Charity Hours to support volunteer opportunities
Supporting Businesses. Helping People. Strengthening Communities.
Capital Bank, N.A. is an Affirmative Action, E-Verify, and Equal Opportunity Employer.
💡 Quick Summary
Seeking a career-building opportunity? The VP| Credit Portfolio Review Officer position is now open for candidates interested in the Bank Jobs sector. This role in Rockville offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
