AVP, CRE Portfolio Manager

About UsCapital Bank N.A. is headquartered in Maryland, and has been serving our communities since 1999. 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 PurposeCapital Bank is looking for an experienced Portfolio Manager to join our CRE lending team. The Portfolio Manager is responsible for working with an assigned commercial loan portfolio to manage loan renewals, loan extensions, collection of financial statements, credit underwriting/evaluation, loan structuring, and exception monitoring. The Portfolio Manager also works closely with the Credit Manager to manage the Bank's high-risk loans including remediation, collection or liquidation of these non-performing loans.

Position Responsibilities

• Conduct appropriate financial analysis and research to underwrite new loan renewals, extensions and modifications. Analyze and structure the renewal proposals, and complete the underwriting and evaluation process.
• Ensure all required documentation is collected and maintained as required by existing policy.
• Conduct thorough annual reviews of current portfolio clients including review of financials, site visits, and assessment of general business information and other factors that would be indicators of risk.
• In partnership with the Lending Team, establish and maintain relationships with current and prospective customers.
• Leverage customer knowledge to proactively identify and recommend opportunities to cross-sell additional loan and non-credit products to clients.
• Ensure loan terms and conditions adhere to established credit policy. Ensure compliance with applicable federal, state and local laws and regulations, agency guidelines and organization policies.
• Provide timely and accurate reporting to senior management.
• Work with outside vendors and professionals to remedy situations as needed.
• Perform/create corporate financial spreads utilizing the Statement Analyzer Software Program
• Responsible for growing an assigned Portfolio of business

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, portfolio risk assessment and/or special assets.
• Experience in CRE lending is preferred.

Technical Knowledge and Skills

• Thorough knowledge of commercial lending process including credit evaluation and underwriting.
• Ability to accurately interpret lending policy and apply same to the management of the portfolio.
• 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.
• Thorough knowledge of banking regulations and laws governing commercial lending.
• Strong written and verbal communication skills.
• Strong organizational skills with ability to set priorities in a multi-task environment and meet deadlines.
• Proficient in Microsoft Office Suite including Word, Excel, PowerPoint and Outlook.

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 - $153,619 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 E-Verify, Affirmative Action and Equal Opportunity Employer.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

Location: Derwood, MD, US

Posted Date: 11/28/2024