Careers at Capital Bank



Capital Bank is dedicated to providing a high level of professional service to its customers. In order to do this, we need you! Please check back with us as our Bank continues to grow and opportunities open.  Contact our Human Resources department at (301) 468-8848 or apply at  We offer a competitive salary plus a full benefits package. Salary based upon experience.

Current Opportunities:

Loan Accountant

The Loan Accountant will be responsible for reviewing and monitoring the activity of funds for commercial loans and administer the movement of funds to the correct accounts via wire/book transfers.  This person will also monitor and update accounts receivable and all loan suspense accounts and must have Fiserv Premier experience.


Senior Credit Analyst

The Senior Credit Analyst reports directly to the VP, Credit Manager and acts as the Team Lead for a group of Credit Analysts.  The Senior Analyst will personally develop and review all pertinent credit and financial information for use by lending officers or committees in making lending decisions on new, renewal, and extension loans.  This position prepares summaries, presents facts, and an offers opinions concerning credit worthiness along with directing loans through the due diligence and documentation process.  As the Team Lead, the Senior Credit Analyst will act as the escalation point for all questions and issues that are brought forward by the Credit Analyst team.

Position Responsibilities

•Ability to provide 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.

•Ability to interact with management and board committees relative to overall credit risk assessments and analysis.

•Provides Credit Memo drafting support to the Lending Team in terms of financial and collateral spread and analysis.

•Completes ongoing Annual Reviews of existing borrowing relationships which may include direct contact with borrowers in connection with the request for updated financial information.

•Maintains compliance with internal Bank policies and procedures.

•Stays informed about the legal, compliance and market-risk-related issues involved in the approval of credit.

•Attends customer meetings, calls and participates in conference calls when appropriate to obtain a better understanding of the nature of the business and the purpose of the credit request.

•Ensures all risk ratings are appropriate and updated as needed – works with internal auditors as needed.

•Identifies performance and/or training needs of the team and works with the Credit Manager to remedy.

•Mentors and coaches analysts within the team to help develop their skills.

•Works with the analysts to solve complex credit issues and ensure that the final work product is in line with the Bank’s expectations.

•Partners with the Credit Manager to improve work-flow to ensure a consistent and process is in place.

•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.

•Other duties as assigned

Desired Skills and Experience

•Previous and successful experience as a Credit Analyst/Credit Manager with experience in both C&I & CRE based lending.

•Bachelor's degree is preferred.

•Customer facing experience including the ability to meet with customers on a 1-1 basis.

•Proven experience managing and implementing technology and work-flow projects.

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

•Previous team lead/supervisory experience.

•Ability to coach, mentor, develop and lead a team of experienced credit analysts.


Branch Manager

Position Competencies: Actively participate in managing staff to meet established administrative, operational, compliance, sales and relationship activities for the branch, ensuring that a full range of services (including deposits, credit, and referrals to other lines of business) are being actively provided to all customers and prospective customers. 

Meet day-to-day operational and compliance activities to achieve performance goals while maintaining superior customer service levels. 

Supervise and conduct coaching sessions with staff to ensure superior customer service is being delivered to all customers, while improving individual staff members personal work product. 

Ensure compliance with all bank and regulatory standards as measured by branch and compliance audits and security reviews. 

Minimum Education: Bachelor's degree in relevant field or equivalent work experience.

Minimum Experience: Solid and proven sales and operations record; 1-2 years of management experience; Ability to provide short-term customer service and operational results; strong knowledge of banking policies, procedures, and regulations.

Technical Knowledge and Skills: Microsoft office software suite (Word and Excel); excellent oral and written communication skills.

Typical Previous Job Assignments: Assistant Branch/Operations Manager, Sr. Sales/Service Associate, Head Teller for high volume bank branch, Retail Sales/Service Manager.

Other: Ability to travel within a defined market.


Mortgage Loan Processor

Position Purpose: Know the Bank’s Mission Statement and incorporate it in your approach to meeting your goals and prioritizing your tasks.  It is the responsibility of each bank staff member and of management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject.  Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations. 

Position Competencies: Gathers, verifies, compiles and analyzes mortgage loan application information provided by carious conduits resulting in complete, accurate and timely loan packages presented to our underwriter and closer

Contacts third party service provider to order and coordinate necessary services in a timely manner

Process conventional, FHA, VA, and RD loans to ensure compliance with state and federal regulations, as well as underwriting guidelines from FHLMC, FNMA, MI Companies and other conduits.

Review and analyze appraisal, credit, income and purchase contracts

Keep current with changes in underwriting standards and maintain up to date information

Minimum Experience: Five years (preferred) of processing a significant volume of residential mortgage loans underwritten to FNMA, FHLMC and other secondary market conduits; processing experience of FHA, VA, and RD loans preferred. 

Technical Knowledge and Skills: Knowledge of applicable lending regulation, compliance and standard mortgage processing duties; experience working with DU, LP, GUS and other applicable automated underwriting engines; working knowledge of the encompass origination platform is a plus; aptitude to work independently as well as part of a team; excellent customer service skills with a high attention to detail


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