Capital Bank
Credit Administration Analyst
Capital Bank, Rockville, Maryland, us, 20849
Description
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 PurposeThe Credit Administration Analyst, working directly with the Chief Credit Officer (CCO), is responsible for collection, evaluation, and entry of data elements necessary to support the Bank's estimates of lifetime expected credit losses, concentration management program. This includes stress testing, as well as various trend and portfolio segment reporting in support of the Bank's internal and external reporting requirements.
Position Responsibilities
Works closely with CCO to develop a deep understanding of the Bank's CECL model components and data entry requirements.
Using the Bank's model/reporting systems the Credit Administration Analyst will be required to identify and document risk characteristics of the Bank's loan portfolio at the segment level including risk rating, asset class, collateral type, size, geographic location, industry, and vintage.
Collects, analyzes, and interprets loan portfolio data to provide key insights to the CCO and management for use in reporting and to frame policy recommendations.
Prepares the monthly credit dashboard data to provide consistent and timely documentation to the CCO in support of the Bank's CECL, Concentration, and Special Assets reporting requirements.
Completes the monthly and quarterly loan portfolio reconciliation reporting to the CCO which will be used to support a timely financial statement and Call Report filing.
Enforces the Bank's appraisal policy related to minimum collateral valuation standards as needed in the evaluation of individually analyzed loans and in connection with the Bank's CRE concentration program.
Executes standard reporting tasks efficiently and effectively while minimizing errors.
Minimum Education & Experience
Bachelor's degree in relevant field or equivalent work experience.
7+years of experience in a financial/commercial lending environment with proven experience and ability to collect, analyze, interpret, and present data to inform business decisions.
Basic understanding of CECL is preferred.
Technical Knowledge and Skills
Strong written and verbal communication skills.
Strong organizational skills with ability to set priorities in a multi-task environment and meet deadlines.
Strong mathematical skills with an ability to collect, measure, and statistically analyze data.
Demonstrated proficiency with Microsoft Office with specific capability in Word and Excel.
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.
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)
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 PurposeThe Credit Administration Analyst, working directly with the Chief Credit Officer (CCO), is responsible for collection, evaluation, and entry of data elements necessary to support the Bank's estimates of lifetime expected credit losses, concentration management program. This includes stress testing, as well as various trend and portfolio segment reporting in support of the Bank's internal and external reporting requirements.
Position Responsibilities
Works closely with CCO to develop a deep understanding of the Bank's CECL model components and data entry requirements.
Using the Bank's model/reporting systems the Credit Administration Analyst will be required to identify and document risk characteristics of the Bank's loan portfolio at the segment level including risk rating, asset class, collateral type, size, geographic location, industry, and vintage.
Collects, analyzes, and interprets loan portfolio data to provide key insights to the CCO and management for use in reporting and to frame policy recommendations.
Prepares the monthly credit dashboard data to provide consistent and timely documentation to the CCO in support of the Bank's CECL, Concentration, and Special Assets reporting requirements.
Completes the monthly and quarterly loan portfolio reconciliation reporting to the CCO which will be used to support a timely financial statement and Call Report filing.
Enforces the Bank's appraisal policy related to minimum collateral valuation standards as needed in the evaluation of individually analyzed loans and in connection with the Bank's CRE concentration program.
Executes standard reporting tasks efficiently and effectively while minimizing errors.
Minimum Education & Experience
Bachelor's degree in relevant field or equivalent work experience.
7+years of experience in a financial/commercial lending environment with proven experience and ability to collect, analyze, interpret, and present data to inform business decisions.
Basic understanding of CECL is preferred.
Technical Knowledge and Skills
Strong written and verbal communication skills.
Strong organizational skills with ability to set priorities in a multi-task environment and meet deadlines.
Strong mathematical skills with an ability to collect, measure, and statistically analyze data.
Demonstrated proficiency with Microsoft Office with specific capability in Word and Excel.
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.
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)