Loan Operations Data & Compliance Analyst

Description

About Us

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 5 out of 6 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.

Position Purpose

The Loan Operations Data & Compliance Analyst plays a vital role in ensuring the accuracy, completeness, and timely submission of all regulatory loan data and related reporting. This position is responsible for managing requirements associated with the Home Mortgage Disclosure Act (HMDA), Community Reinvestment Act (CRA), Federal Home Loan Bank (FHLBank), and other federal or investor coding standards. This role manages data validation, reconciliation, and reporting activities to guarantee that regulatory submissions are both accurate and timely, supporting the Bank's compliance with requirements set forth by the CFPB, OCC, and FFIEC. This position also supports the Bank's FHLBank of Atlanta collateral reporting process by maintaining accurate pledged loan data and preparing quarterly QCR submissions, ensuring investor reporting is accurate and timely. Serving as a key liaison, this role bridges Loan Operations, Compliance, and other departments to maintain data integrity and regulatory preparedness throughout the loan lifecycle.

Position 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.

Required Education and Experience

Qualifications and Skills

Key Performance Indicators

Compensation

Working Arrangements

Why Join Us?

Supporting Businesses. Helping People. Strengthening Communities.

Capital Bank, N.A. is an affirmative action and equal opportunity employer.

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws.

For further information, please review the Know Your Rights notice from the Department of Labor.