Avp, Portfolio Manager II

About Us

Capital 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 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

• Conducts 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.

• In partnership with the Relationship Manager Team, 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. Ensure 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 to remedy situations as needed.

• Performs/creates 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.

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 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; ability to analyze moderate to complex loan requests.

• 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 moderate to occasionally complex credits.

• Strong written and oral communication skills.

• Possesses the desire and has the potential to lead a customer call.

• 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.

Other

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.