Loan Operations Data & Compliance Analyst

Loan Operations Data & Compliance Analyst

Job Category: Commercial Operations

Requisition Number: LOANO
001464

Location: Corporate Headquarters, 2275 Research Blvd, Suite 600, Rockville, MD 20850, USA

Work Arrangement: Hybrid – flexible work in our Rockville, MD office.

Capital Bank N.A. is headquartered in Maryland and has served communities since 1999. We are a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets, offering commercial and consumer banking services primarily in Maryland, DC, and Northern Virginia, along with two nationwide lending brands:
Capital Bank Home Loans and Open Sky, a credit card division. Our personalized approach, paired with cutting‑edge technology solutions and a comprehensive suite of products and services, fuels growth and supports customers at every financial stage.

Capital Bank has been recognized as one of the Best Banks to Work For in the U.S. by American Banker for the last five out of six years.

The Loan Operations Data & Compliance Analyst ensures the accuracy, completeness, and timely submission of all regulatory loan data and reporting. The role manages Home Mortgage Disclosure Act (HMDA), Community Reinvestment Act (CRA), Federal Home Loan Bank (FHLBank), and other federal or investor coding standards. Responsibilities include data validation, reconciliation, and reporting to guarantee accurate and timely regulatory submissions, supporting compliance with CFPB, OCC, and FFIEC requirements.

The analyst also supports FHLBank of Atlanta collateral reporting, maintaining accurate pledged loan data and preparing quarterly QCR submissions.

• Oversee HMDA, CRA, and community development lending data processes within Loan Operations, managing workflow from origination to submission.
• Collect, validate, and report HMDA and CRA data within loan origination and core systems.
• Maintain compliance with FHLBank data reporting requirements, including quarterly QCR reports and related audit materials.
• Accurately code all loans—purpose, collateral, property type, lien status, and geography—to align with federal and state guidelines.
• Conduct data integrity reviews, field mapping, and 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 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.
• Collaborate with internal teams to align pledged loan data with FHLBank guidelines and collateral agreements.
• Develop and maintain dashboards and exception reports to monitor data quality and submission readiness.
• Work with Compliance to interpret new or updated regulatory requirements and implement necessary operational or system changes.
• Collaborate 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 system enhancements that impact HMDA, CRA, and other regulatory data fields.
• Produce monthly and quarterly management reports summarizing data integrity, exceptions, and trends.
• Recommend improvements to systems or processes to enhance data accuracy and automation.
• Ensure policies, procedures, and training materials reflect current regulatory expectations.
• Conduct HMDA and CRA training workshops with relationship managers and loan officers.
• Train Loan Operations teammates…