Credit Underwriter IV

Capital Bank•Rockville, MD

4d•Hybrid

About The Position

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 $3 billion in assets. We offer commercial and consumer banking services to clients primarily 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 6 out of 7 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.

Requirements

Bachelor’s Degree in a related field of study required or equivalent in experience
Proven experience managing a loan pipeline of commercial businesses with $15MM+ in revenue
A minimum of 10+ years’ work experience as an Underwriter with a focus on C&I and exposure to CRE
Proficient in Microsoft Office Suite including Word, Excel, PowerPoint and Outlook
Proficient with SageWorks Abrigo or similar financial statement analysis software experience
Excellent verbal and written communication skills
Highly analytical in nature
Ability to multi-task and deliver accurate results within established service level timeframes
Ability to work in a fast-paced environment.

Responsibilities

Keeps on top of industry best practice and is constantly looking for, proposing and implementing new technology to enable better internal customer service and accuracy.
Provides quality service to internal relationship managers through personal and business financial statement analysis utilizing internal and external technology and resources relative to Commercial and Industrial as well as Real Estate Based lending proposals
Interacts with management relative to overall credit risk assessments and analysis
Mentors and coach’s analysts within the team to help develop their skills
Perform quantitative and qualitative analysis of large/complex requests to communicate the financial strengths and weaknesses to the appropriate approver or committee.
Analyze personal net worth, and personal/contingent debt to determine guarantor strength
Interact with Commercial Lenders and approving officers to assist in appropriate loan structure that addresses client need while minimizing risk to the Bank.
Collaborate with the sales team in drafting loan offering package for approval
Perform collateral analysis with available information from various sources
Attend and run customer meetings and participate in telephone conference calls, as necessary
Maintain compliance with internal Bank policies and procedures
Stay informed about the legal, compliance and market-risk-related issues involved in the approval of credit
Work with the team to solve complex credit issues and ensure that the final work product is in line with the Bank’s expectations and timelines
Attend Credit Loan Committee and other relevant meetings
Other duties as assigned