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Kapital Bank · 3 months ago

Credit Underwriter III

Rockville, MD

Full-time

Hybrid

Senior Level

$100K/yr - $140K/yr

6+ years exp

Capital Bank, N.A. is a publicly traded company headquartered in Maryland, providing commercial and consumer banking services since 1999. The Credit Underwriter III will analyze personal and business financial statements, support the lending team, and ensure compliance with bank policies while delivering quality service to internal stakeholders.

BankingFinanceFinancial ServicesInsurance

Growth Opportunities

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

Qualification

C&I UnderwritingFinancial statement analysisCommercial lendingSageWorks AbrigoMicrosoft Office SuiteAnalytical skillsMulti-taskingCommunicationDetail orientedFast-paced environment

Required

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

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

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