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Rockville

    VP, Portfolio Manager III - Rockville, United States - Capital Bank

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    Description

    About Us
    Capital Bank N.A. is headquartered in Maryland, serving our communities since 1999. We offer commercial and consumer banking services to clients in the DC metro area, 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.

    Position Purpose
    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 Special Assets 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 loan renewals, extensions and modifications. Analyze and structure the renewal proposals, complete the underwriting and evaluation process to ensure that deadlines are consistently met.
    • Ensure all required documentation is collected and maintained as required by existing policy.
    • Conduct thorough reviews of current portfolio clients whose loans are maturing or facilities being renewed 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 Relationship Manager 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 Sageworks Software Program
    • Responsible for supporting and maintaining an assigned Portfolio of business relationships and meeting annual goals/metrics accordingly.

    Education & Experience Required

    • Bachelor's degree in relevant field or equivalent work experience
    • 10+ years of experience in a commercial lending environment with proven experience in credit evaluation, portfolio risk assessment and/or special assets
    • Experience as a Relationship Manager is a plus.

    Technical Knowledge and Skills

    • Thorough knowledge of commercial lending process including credit evaluation and underwriting.
    • Strong organizational skills with proven ability to set priorities in a multi-task environment and meet deadlines.
    • Demonstrates excellent critical thinking skills.
    • Detailed knowledge and understanding of credit and financial analysis tools and techniques.
    • Ability to identify and quantify business risks as well as the key drivers of risk and focus decisions accordingly especially with complex credits.
    • Strong written and verbal communication skills.
    • Exhibits a bias towards action; takes ownership of the process.
    • Ability to accurately interpret lending policy and apply same to the management of the portfolio.
    • Thorough knowledge of banking regulations and laws governing commercial lending.
    • Demonstrated proficiency with Microsoft Office with specific capability in Word and Excel.

    Additional Details
    This opportunity offers the flexibility to work in a hybrid working environment.

    Supporting Businesses. Helping People. Strengthening Communities.
    Capital Bank, N.A. is an Affirmative Action, E-Verify, 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 c)

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