AVP, CRE Portfolio Manager

$102,412 - $153,619/Yr

Capital Bancorp Plc - Rockville, MD

Full-time - Mid Level

Hybrid - Rockville, MD

1,001-5,000 employees

Credit Intermediation and Related Activities

About the position

The AVP, CRE Portfolio Manager at Capital Bank N.A. is responsible for managing an assigned commercial loan portfolio, focusing on loan renewals, extensions, and the collection of financial statements. This role involves credit underwriting, loan structuring, and monitoring high-risk loans in collaboration with the Credit Manager. The Portfolio Manager plays a crucial role in ensuring compliance with banking regulations and policies while fostering relationships with clients to identify cross-selling opportunities.

Responsibilities

• Conduct appropriate financial analysis and research to underwrite new loan renewals, extensions, and modifications.
• Analyze and structure renewal proposals, completing the underwriting and evaluation process.
• Ensure all required documentation is collected and maintained as required by existing policy.
• Conduct thorough annual reviews of current portfolio clients, including review of financials, site visits, and risk assessment.
• Establish and maintain relationships with current and prospective customers in partnership with the Lending Team.
• 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 and compliance with applicable laws and regulations.
• 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 Statement Analyzer Software Program.
• Responsible for growing an assigned Portfolio of business.

Requirements

• Bachelor's degree in relevant field or equivalent work experience.
• 5+ years of experience in a commercial lending environment with proven experience in credit evaluation, portfolio risk assessment, and/or special assets.
• Experience in CRE lending is preferred.
• Thorough knowledge of the commercial lending process including credit evaluation and underwriting.
• Ability to accurately interpret lending policy and apply it to portfolio management.
• Detailed knowledge of credit and financial analysis tools and techniques.
• Ability to identify and quantify business risks and focus decisions accordingly.
• Strong written and verbal communication skills.
• Strong organizational skills with the ability to set priorities in a multi-task environment and meet deadlines.
• Proficient in Microsoft Office Suite including Word, Excel, PowerPoint, and Outlook.

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.
• 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.