VP, Portfolio Manager III
Capital Bank, N.A.
full-time
Posted on:
Location Type: Hybrid
Location: Reston • Virginia • United States
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Salary
💰 $120,000 - $150,000 per year
Job Level
About the role
- Conduct appropriate financial analysis and research to underwrite loan renewals, extensions and modifications.
- Analyze and structure the 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.
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
- Experience as a Relationship Manager is a plus.
- 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.
- Strong written and verbal communication skills.
- Ability to lead a customer call.
- 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.
- Ability to travel within a defined market area.
Benefits
- 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
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
financial analysiscredit evaluationportfolio risk assessmentunderwritingcredit and financial analysis toolscommercial lending processcorporate financial spreadsSageworks Software Programreportingcross-selling
Soft Skills
organizational skillscritical thinkingcommunication skillsleadershiprelationship managementability to set prioritiesmulti-taskingattention to detailproblem-solvingcustomer service