Capital Bank
SBA Underwriter
Remote USA · Full-time
Sponsorship not specifiedDetected 1 day ago
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Lottery odds40
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About the role
- We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets.
- Come join a bank where our employees thrive and are engaged in meaningful work.
- For the last 6 out of 7 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.
Responsibilities
- Review construction budget, inventory list, FF&E costs estimate/invoices, purchase agreements, debt refinance analysis, business acquisition/partner buyout, and working capital needs.
- Spread historical and projected financial documents to determine cash flow and repayment to show the applicant meets SOP guideline for DSC of 1.15x or better.
Requirements
- Bachelor's Degree in Finance or Accounting
- Experience with Abrigo or other commercial lending platforms is ideal.
- Must be a creative thinker and proactive problem solver with a history of working efficiently and effectively, meeting deadlines, and following projects through to completion.
- Must be organized and detail oriented.
Nice to have
- Recent underwriting experience in a high-volume environment with full knowledge of the lending requirement, regulations, and procedures for conventional, SBA and USDA loan programs preferred.
Compensation
- Base Salary Range: Final determination of where you are at in the salary range is based on numerous factors such as geographical location, relevant experience, skill set, education, and ability to meet qualifications within the job description.
- Additional Compensation: This role will include a yearly annual target bonus based on individual performance.
Benefits
- 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
- If there is a collateral shortfall, SBA may require personal and/or affiliate assets for coverage.
- Minimum Education & Experience
- Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more?
Company info
- Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. We offer commercial and consumer banking services to clients primarily in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands
- Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.
- Come join a bank where our employees thrive and are engaged in meaningful work. For the last 6 out of 7 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.
- Position Purpose
- Prepare, review, and analyze the creditworthiness of all applicant's loan requests by spreading company and personal financial statements.
- Inform Lender of the SBA guidelines for loan structure maximum rate and term depending on the loan requested. Assist lender in preparing the sources and uses of the loan request. Review construction budget, inventory list, FF&E costs estimate/invoices, purchase agreements, debt refinance analysis, business acquisition/partner buyout, and working capital needs.
- Prepare a collateral table to assess the adequacy of all business assets and apply the SBA liquidation percentage to result in the net value for the assets. If there is a collateral shortfall, SBA may require personal and/or affiliate assets for coverage.
- Business Overview to discuss the business description and history, locations, products/services, business model, management, succession plan, competition, vendors, define market area, customer base, strengths, and weaknesses of the business. Compare business NAICS and Franchise to Coleman statistics and FRAN data for trends and success rates of the business or franchise.
- Spread historical and projected financial documents to determine cash flow and repayment to show the applicant meets SOP guideline for DSC of 1.15x or better. Analyze projection assumptions for reasonableness in obtaining the level of sales and net profit. Determine the projected break-even and what if scenarios.
- Discuss RMA Common Size ratios in comparison to the borrower's revenues and expenses.
- Analyze and spread affiliate businesses to show these entities will not be a strain on the applicant/borrower.
- Analyze the principals' and guarantors' personal financial statement, personal tax returns and credit report.
- Prepare a global cash flow and rate sensitivity spreads to determine the business and its affiliates meet the SOP guideline for DSC of 1x.
- Spread historical balance sheet to compare with the common size ratios of RMA. Based on the sources and uses, prepare a pro-forma balance sheet to show how the transaction will affect the balance sheet. Discuss the current and debt to tangible net worth ratios and compare to RMA ratios.
Equal opportunity
- Capital Bank, N.A. is an E-Verify, Affirmative Action and Equal Opportunity Employer.
- Capital Bank, N.A. is an E-Verify, Affirmative Action and
- Equal Opportunity Employer.
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