Capital Bank MD
SVP, Lender Finance Group Relationship Manager
Capital Bank MD, Rockville, Maryland, us, 20849
SVP, Lender Finance Group Relationship 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 PurposeThe Lender Finance Group Relationship Manager (LFG RM) works closely with the President/Specialty Lending Group (SLG) and Chief Credit Officer to evaluate the financial information and needs of prospective and existing borrowers. The LFG RM is responsible for gathering and analyzing credit information, conducting extensive in-depth company, financial, and industry analysis, and performing due diligence to evaluate risk/return structures of financing transactions as well as preparing Loan Presentation Summary and Narrative Memoranda. The LFG RM regularly interfaces with Clients, President/SLG, Credit and Loan Administrators and Senior Management, and provides recommendations relating to credit extension decisions.Additional duties include monitoring borrower financial reporting and covenant compliance monitoring. The LFG RM will be the primary point of contact for specific relationships and is to provide exemplary service to ensure customer satisfaction.
Position ResponsibilitiesConducts appropriate financial analysis and research to underwrite loan renewals, extensions and modifications. Analyzes and structures the renewal proposals, completes the underwriting and evaluation process to ensure that deadlines are consistently met.Ensures all required documentation is collected and maintained as required by existing policy.Conducts 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.Establishes and maintains relationships with current and prospective customers.Leverages customer knowledge to proactively identify and recommend opportunities to cross-sell additional loan and non-credit products to clients.Ensures loan terms and conditions adhere to established credit policy. Ensures compliance with applicable federal, state and local laws and regulations, agency guidelines and organization policies.Provides timely and accurate reporting to senior management.Works with outside vendors and professionals as needed.Responsible for supporting and maintaining an assigned Portfolio of business relationships and meeting annual goals/metrics accordingly.Minimum Education and ExperienceBachelor'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 managing complex loan portfolio.Technical Knowledge and SkillsThorough 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 oral 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.This opportunity offers the flexibility to work in a hybrid working environment.Must have the ability to travel within a defined market area.Supporting Businesses. Helping People. Strengthening Communities.Capital Bank, N.A. is an Affirmative Action, E-Verify, and Equal Opportunity Employer.
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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 Lender Finance Group Relationship Manager (LFG RM) works closely with the President/Specialty Lending Group (SLG) and Chief Credit Officer to evaluate the financial information and needs of prospective and existing borrowers. The LFG RM is responsible for gathering and analyzing credit information, conducting extensive in-depth company, financial, and industry analysis, and performing due diligence to evaluate risk/return structures of financing transactions as well as preparing Loan Presentation Summary and Narrative Memoranda. The LFG RM regularly interfaces with Clients, President/SLG, Credit and Loan Administrators and Senior Management, and provides recommendations relating to credit extension decisions.Additional duties include monitoring borrower financial reporting and covenant compliance monitoring. The LFG RM will be the primary point of contact for specific relationships and is to provide exemplary service to ensure customer satisfaction.
Position ResponsibilitiesConducts appropriate financial analysis and research to underwrite loan renewals, extensions and modifications. Analyzes and structures the renewal proposals, completes the underwriting and evaluation process to ensure that deadlines are consistently met.Ensures all required documentation is collected and maintained as required by existing policy.Conducts 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.Establishes and maintains relationships with current and prospective customers.Leverages customer knowledge to proactively identify and recommend opportunities to cross-sell additional loan and non-credit products to clients.Ensures loan terms and conditions adhere to established credit policy. Ensures compliance with applicable federal, state and local laws and regulations, agency guidelines and organization policies.Provides timely and accurate reporting to senior management.Works with outside vendors and professionals as needed.Responsible for supporting and maintaining an assigned Portfolio of business relationships and meeting annual goals/metrics accordingly.Minimum Education and ExperienceBachelor'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 managing complex loan portfolio.Technical Knowledge and SkillsThorough 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 oral 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.This opportunity offers the flexibility to work in a hybrid working environment.Must have the ability to travel within a defined market area.Supporting Businesses. Helping People. Strengthening Communities.Capital Bank, N.A. is an Affirmative Action, E-Verify, and Equal Opportunity Employer.
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