Credit Underwriter III

7 days ago

Rockville, MD, United States Capital Bank, N.A. Full time
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 $3 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 5 out of 6 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.

Position Purpose

The Credit Underwriter III will provide quality service to internal Commercial Lenders through personal and business financial statement analyses by utilizing internal and external technology. The role will focus on C&I Underwriting and supporting the CRE lending team in producing financial spreads.

Position 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.
  • Available to assist 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.
Minimum Education & Experience
  • Bachelor's Degree in a related field of study required or equivalent in experience.
  • Proven experience managing a loan pipeline of commercial businesses with $10-20MM in revenue
  • A minimum of 6-10 years' work experience as an Underwriter with a focus on C&I and exposure to CRE.
Preferred Qualifications and Skills
  • 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 and detail oriented in nature.
  • Ability to multi-task and deliver accurate results within established service level timeframes.
  • Ability to work in a fast-paced environment.
Working Arrangements
  • This role is eligible for hybrid or full remote work dependent upon prior experience.
Compensation
  • Base Salary Range: $100,000 - $140,000 annually. Final determination of where you are at in the salary range is based on numerous factors such as relevant experience, skill set, education, and ability to meet qualifications within the job description.
  • Additional Compensation: This role will include a yearly annual target bonus based on individual performance.
Why Join Us?
  • Join a growing company with a culture that fosters an entrepreneurial spirit
  • Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more
  • Company Contributions to your 401k - Regardless of your contribution
  • Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more
  • Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities

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.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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