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Capital Bank, N.A. · 2 weeks ago

Loan Operations Data & Compliance Analyst

Rockville, MD

Full-time

Hybrid

Senior Level

$32.77/hr - $45.05/hr

5+ years exp

Capital Bank, N.A. is a publicly traded company that has been serving communities since 1999, offering commercial and consumer banking services. The Loan Operations Data & Compliance Analyst is responsible for ensuring the accuracy and compliance of regulatory loan data submissions, managing data validation, reconciliation, and reporting activities to support the Bank's compliance with federal regulations.

BankingCommercial LendingFinanceFinancial Services

Responsibilities

Oversee the HMDA, CRA, and community development lending data processes within Loan Operations, managing the workflow from origination through to submission

Oversee the collection, validation, and reporting of HMDA and CRA data within loan origination and core systems

Maintain compliance with FHLBank data reporting requirements, including the preparation and submission of quarterly QCR reports and related audit materials

Ensure the accurate regulatory coding of all loans—including details such as purpose, collateral, property type, lien status, and geography—to align with federal and state guidelines

Conduct data integrity reviews, perform field mapping, and execute edit check testing across core systems, loan origination systems (LOS), and data warehouses

Maintain accurate geocoding, tract, and MSA data for all loan records

Support the timely and accurate submission of quarterly and annual HMDA and Loan Application Registers (LARs), and community development lending

Coordinate with Treasury and Finance to prepare and submit Quarterly Collateral Reports (QCRs) to FHLBank of Atlanta

Validate pledge loan balances, collateral eligibility, and loan-level data integrity prior to submission

Maintain internal QCR reconciliation files between the core system and FHLB reporting templates

Identify and resolve discrepancies in loan eligibility, lien status, or collateral coding

Partner with internal teams to ensure pledged loan data aligns with FHLBank guidelines and collateral agreements

Develop and maintain internal dashboards and exception reports to monitor data quality and submission readiness

Collaborate with Compliance to interpret new or updated regulatory requirements and implement the necessary operational or system changes

Work closely with Loan Operations, Loan Servicing, and Commercial Lending teams to monitor data quality, resolve discrepancies, and support accurate regulatory reporting

Lead or assist with regular data audits, including pre-submission validation, post-submission reviews, and exam preparation activities

Develop and maintain procedures, workflows, and controls that promote consistency in data capture and reporting processes

Support the implementation and testing of system enhancements that impact HMDA, CRA, and other regulatory data fields

Produce monthly and quarterly management reports that summarize data integrity, identify exceptions, and highlight trends

Identify and recommend improvements to systems or processes to enhance data accuracy and automation

Partner with Compliance to ensure that policies, procedures, and training materials reflect current regulatory expectations

Coordinate with Compliance to conduct training risk appropriate HMDA and CRA training workshops with relationship managers and loan officers

Conduct training for fellow Loan Operations teammates to increase knowledge within the organization

Participate in audit and examination preparation, ensuring complete documentation of all data collection and validation practices

Act as a subject matter expert for federal loan coding requirements across all lending business lines

Qualification

HMDA complianceCRA complianceRegulatory reportingData integrityFHLBank reportingLoan origination systemsData analyticsAnalytical skillsProcess documentationCommunication skillsCollaboration skillsAttention to detail

Required

Bachelor's degree in Business, Finance, or a related field; equivalent work experience may be considered

Minimum five years of experience in Loan Operations, Loan Compliance, or Regulatory Reporting

Comprehensive understanding of HMDA, CRA, and other federal lending regulations

Demonstrated working knowledge of FFIEC filing requirements

Strong analytical skills and meticulous attention to detail, with a proven ability to identify and correct data anomalies

Ability to define and document procedures effectively

Excellent communication and collaboration skills, with demonstrated capability to work effectively across Operations, Compliance, and IT teams

Intermediate to advanced proficiency in Excel and/or data analytics software

Preferred

Experience with FHLBank collateral reporting or loan pledge processes preferred

Proficiency in loan origination systems and data reporting tools; Fiserv Premier, Finastra products (LaserPro, Compliance Reporter), and/or Sageworks Abrigo strongly preferred

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: Employee Recognition Program, Commuter Benefits, Employee Banking Discounts and much more!

Generous Paid Time Off and Paid Holidays.

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

Rockville, Maryland, USA

201-500 employees