Loan Operations Compliance Specialist

Capital Bank, N.A.•Rockville, MD

9h•Hybrid

About The Position

The Loan Operations Compliance Specialist is an individual contributor responsible for performing independent quality control reviews, regulatory data validation, and audit support activities for commercial loan products. This role ensures the accuracy, completeness, and regulatory compliance of loan data and documentation across origination, servicing, collateral reporting, and regulatory submissions. The position serves as a technical subject matter resource and works collaboratively across Loan Operations, Commercial Lending, Compliance, Treasury, and Finance to support audit readiness and regulatory expectations.

Requirements

Associate’s or Bachelor’s degree in Finance, Business, Accounting, or a related field, or equivalent experience
2+ years of experience in loan operations, loan servicing, quality control, audit, or regulatory data support within a financial institution
Strong understanding of commercial loan documentation, loan systems, and lending workflows
High attention to detail with strong analytical and organizational skills.
Ability to analyze data, identify discrepancies, and support resolution
Proficiency in Microsoft Office, including Excel
Experience with commercial, consumer, mortgage, or specialty lending products.
Familiarity with regulatory frameworks (e.g., FDIC, OCC, CFPB, or state banking regulations).
Experience supporting audits or regulatory compliance examinations

Responsibilities

Perform quality control reviews of commercial loan data and documentation to ensure accuracy, completeness, and adherence to internal policies and regulatory requirements
Review and validate loan coding, including loan purpose, collateral, property type, lien position, geography, and borrower attributes
Identify, document, and track data discrepancies, exceptions, and control issues; support investigation and resolution efforts with internal partners
Maintain clear audit trails and supporting documentation for all quality control and validation activities
Support internal audits, external audits, and regulatory examinations by providing documentation and data validation evidence
Maintain accurate geocoding, census tract, and MSA data for applicable loan records
Validate commercial loan data related to HMDA, CRA, and community development lending within loan origination systems, core systems, and reporting tools
Reconcile loan level data between loan systems and regulatory or collateral reporting templates
Identify and escalate discrepancies affecting regulatory reporting or collateral eligibility.
Execute established QC controls and procedures and support documentation of control processes.
Work closely with Loan Operations, Loan Servicing, Commercial Lending, Compliance, Treasury, and Finance teams to research and resolve quality control findings
Communicate findings clearly and professionally, including documenting root cause and recommended corrective actions
Serve as a subject matter resource for commercial loan quality control and regulatory data questions
Execute quality control workflows in accordance with documented procedures and regulatory expectations
Identify process improvement opportunities to enhance data accuracy, consistency, and efficiency
Stay current on regulatory changes impacting commercial lending and loan data reporting