CRE Portfolio Manager II

Profile

Description
About Us
Capital Bank N.A. is the fifth largest bank 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 (CBHL) and OpenSky, a credit card division that offers and services credit cards across all states.
Come join a bank where our employees thrive and are engaged in meaningful work. For the second year in a row, American Banker named Capital Bank one of the Best Banks to Work For in the U.S.
Position Purpose
Capital Bank is looking for an experienced Portfolio Manager II to join our CRE lending team! The Portfolio Manager II 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.
Additional Details
This opportunity offers the flexibility to work in a hybrid work environment.
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)
We’re looking for talented individuals who can be creative at finding the right solution for our customers and our employees. Capital Bank is an Equal Opportunity Employer and is committed to hiring well qualified people without discrimination because of race, color, religion, national origin, sex, age, veteran status, disability, sexual orientation or gender identity.

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