Portfolio Manager III

Capital Bank, N.A.•Reston, VA

12h•$120,000 - $150,000•Hybrid

About The Position

Capital Bank N.A. is a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets, headquartered in Maryland and serving communities since 1999. We offer commercial and consumer banking services primarily in Maryland, DC, and Northern Virginia, along with two nation-wide lending brands: Capital Bank Home Loans and OpenSky. Our personalized approach, cutting-edge technology, and comprehensive products fuel our growth and customer support. We are recognized as one of the "Best Banks to Work For" in the U.S. by American Banker for 6 out of the last 7 years. This role is responsible for managing an assigned commercial loan portfolio, including loan renewals, extensions, financial statement collection, credit underwriting/evaluation, loan structuring, and exception monitoring. The Portfolio Manager also collaborates with the Credit Manager to manage high-risk loans, including remediation, collection, or liquidation of non-performing loans.

Requirements

Bachelor'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
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.
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.
Ability to produce a quality product at a high volume.
Strong written and verbal communication skills.
Ability 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.

Nice To Haves

Experience as a Relationship Manager is a plus.

Responsibilities

Conduct appropriate financial analysis and research to underwrite loan renewals, extensions and modifications.
Analyze and structure renewal proposals, complete the underwriting and evaluation process to ensure that deadlines are consistently met.
Ensure all required documentation is collected and maintained as required by existing policy.
Conduct 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, 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 Sageworks Software Program
Responsible for supporting and maintaining an assigned Portfolio of business relationships and meeting annual goals/metrics accordingly.