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Capital Bank, N.A. · 12 hours ago

SVP, Commercial Relationship Manager - Central Maryland Market

Columbia, MD

Full-time

Hybrid

Lead/Staff

$170K/yr - $210K/yr

Capital Bank, N.A. is a publicly traded company serving communities since 1999, providing commercial and consumer banking services. The SVP, Commercial Relationship Manager is responsible for acquiring and maintaining commercial relationships, ensuring revenue generation, and managing the C&I portfolio in the Central Maryland region.

BankingCommercial LendingFinanceFinancial Services

Responsibilities

With a focus on C&I customers, works with existing and prospective customers to obtain and retain business relationships

Leads the credit process workings with the Commercial Relationship Liaison and the Credit Administration team to prepare credit requests files for review and will attend the Loan Committee meetings and present the credit requests for approval

Approves or recommends for approval sound loans reflecting attention to analysis, loan structure, and pricing relative to the risk and value of the borrower within lending authority and bank loan policy

Facilitates closings with the customer, settlement agents and/or attorneys

Services and manages the loan portfolio in partnership with the Portfolio Manager

Negotiates complex pricing, loan structure, and loan agreement issues on large borrowers

Monitors existing assigned loans to ensure complete compliance with loan terms, proper loan risk ratings, timely past due management, and problem loan detection

Understands regulatory compliance matters that directly affect lending processes and is committed to complying with those requirements

Acts as the escalation point for the assigned team in relation to issues that arise

Works with team members on loan write-ups and deal structures. Ensures that deals that go to Loan Committee are sound and within the guidelines set by the Loan Committee

Works closely with the C&I Team Leader and C&I Market Executive execute strategies to drive business

Works closely with the Treasury Services team to create and execute strategies to increase deposits and treasury services relationships

Works with the team to create the annual sales plan and execute the plan accordingly

Be a leader in the market they serve. This includes but is not limited to attending community events, networking, serving on the boards of local non-profits, and developing Centers of Influence

Qualification

C&I lending experienceAdvanced underwriting skillsCredit acumenLoan documentation knowledgeRegulatory compliance knowledgeNegotiation skillsMicrosoft Office proficiencyVerbal communication skillsWritten communication skills

Required

Previous and successful sales experience as a Commercial Relationship Manager/ Loan Officer/Business Banker with experience in C&I lending

Experience doing business with C-Level executives and investors

Experience in all aspects of the loan and credit process and a good understanding of how the banking industry operates

Advanced underwriting skills

Highly analytical in nature

Strong credit acumen and experience

Understands both the structure of loans and deposit solutions and is experienced with directly negotiating the terms

Understanding and knowledge of loan documentation and working with outside counsel to ensure correctness

Knowledge of lending and depository procedures and regulations

Proficient with Microsoft office software suite (Word, Excel, PowerPoint, etc.)

Excellent verbal and written communication skills

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

Company

Capital Bank, N.A.

Capital Bank N.A., headquartered in Rockville, Maryland is a Maryland chartered commercial bank that offers commercial and consumer banking services to clients in the Washington D.C.

Founded in 1998