ABOUT US

Coastal Community Bank is a little bit of banking and a little bit of tech-ing. The people at Coastal don't just help people with their banking; they help reshape how banking technology allows and serves EVERYONE. We think and work like entrepreneurs, always moving and constantly improving. We care about each other, are go-getters, work hard, and play hard. If you're someone who thrives on innovation, wants to help others succeed, knows how to think outside the box, and believes that we're all in this together - you belong here.

HOW THIS ROLE IMPACTS COASTAL

As the Capital Markets Senior Manager you will provide assistance and support to the Bank’s Chief Credit Officer, CCO, and/or Credit Administration within CCBX Baas (Banking as a Service) division to manage and establish the capital markets desk for the bank.

WHAT YOU’LL DO AT COASTAL

The Capital Markets Senior Manager will manage the loan flows, loan concentrations and capital markets as well as maintain and monitors loan sales and purchases over the BaaS portfolio to prevent or reduce credit risk while growing the portfolio within approved lending limits. Assist in developing, approving, reviewing, auditing the policies, products and procedures regarding the loan sales and purchases and capital markets with the banks strategic lending partners. This position will provide expertise, structure and oversight in capital markets and loan sales in addition to overall credit administration such as policies, procedures, underwriting, loan reviews, and overall loan risk as related to minimize portfolio and working with the partners as well as pricing whole loan sales, generating disposition channels across multiple lanes including credit funds, securitizations, and structured financing vehicles.

HOW YOU’LL DO IT

• Provide support as needed to Chief Credit Officer and CCBX CCO/Credit Administrator and other executives as needed
• Leads and coordinates, manages, and maintains efficiencies and consistencies for banks Capital Markets, managing balance sheet asset concentrations, lead selling and buying of loans and overall loan flow offered through the banks Strategic Lending Partners
• Assures documentation is complying within bank and CCBX policy as well as State and Federal Regulations
• Provide leadership and the point of contact to the Strategic Lending Partners on arranging for selling or buying of loans
• Assist in preparing Board, management, and regulatory reports and analysis of the CCBX loan portfolio concentrations, sales and purchases
• Coordinates, manages and maintains consistencies in day-to-day Capital Markets and Credit Administration responsibilities
• Assures accuracy of loan sale and purchase data through and internal control processes working as a liaison with finance and operations
• Review credit risks through data queries to ensure accuracy of classifications and make recommendations for any changes
• Coordinate and execute workload priorities and delegate tasks within deadlines
• Ability to use personal judgment and initiative to develop effective and constructive solutions to challenges and obstacles
• Manages and assists with special projects such as back up loan servicer providers and lending as a service
• Compliance with all regulatory requirements
• Other duties as assigned

WHAT YOU’LL BRING

• Proven effective verbal and written communication skills
• Excellent analytical skills and understanding of credit
• Required to handle multiple tasks at the same time
• Must have excellent attention to detail to ensure timely and effective communication
• Advance skills/experience/education in report writing, Excel, Word, PowerPoint, and databases
• Cooperative, professional attitude with strategic partners, legal counsel and co-workers

EDUCATION AND/OR EXPERIENCE

• Bachelor's degree or equivalent in banking credit underwriting, finance, accounting, or economics
• Master’s degree or equivalent in experience/education preferred
• Experience in Capital Markets, Loan Sales and Purchases, Credit Administration and general underwriting experience for consumer and commercial loans
• Experience in Capital Markets is preferred
• Managing Balance Assets Concentrations, arranging for selling or buying of loans, establishing forward flow loan partners and oversight over the entire process
• Experience in Credit Administration is preferred such as Credit Policies, Procedures, Loan Audit and Review and oversight of Credit Programs
• Additional banking/credit experience including the following: BaaS Credit Administration or Program Manager, Credit experience with consumer and commercial, Asset Capital Markets, Enterprise Risk Management, Back-up Loan Service Provider, Lending as a Service

HOW YOU’LL THRIVE AT COASTAL

Be the Best – Communicate effectively, pay close attention to detail, and prioritize your personal development.

Be Relentless – Thrive in a goal-oriented environment exercising both patience and persistence. Advocate for our customers and team members and strive to promote the Coastal Difference.

Be Un-Bankey – Be a forward thinker with a creative mindset. Build long-lasting relationships promoting the Coastal Difference, built on a foundation of integrity, honesty, and trust.

Embrace Gray Thinking – Use sound judgment while decision-making and problem-solving. Think outside the box.

Stay Flexible – Organize and strategize effectively while always being prepared to adapt on the fly. Seek efficiencies for Coastal to work smarter, not harder.

Take Care of Each Other – Understand what it means to be a true team player and have your teammate's back. Practice self-awareness, and build your emotional intelligence.

PHYSICAL DEMANDS

The physical demands described below are required to perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee must:

• have the ability to sit for extended periods of time
• have the ability to stand for extended periods of time
• have the ability to perform repetitive finger, hand, and arm movement
• have the ability to use electronic office equipment such as a computer keyboard, mouse, ten key, telephone, etc.
• view and read computer screen for extended periods
• occasionally stoop, kneel, crouch, or crawl
• occasionally lift or move up to 10 pounds

Job Type: Full-time

Job Status: Exempt

Pay: $141,971.00 - $237,092.00 per year

Benefits:

• Coastal Community Bank offers a competitive salary commensurate with experience, qualifications, and location
• Bonus Opportunity (based on Company and Individual Performance)
• Comprehensive Medical Insurance, Dental, and Vision insurance
• Medical Flexible Spending Account
• Health Savings Account with generous employer contribution
• Generous Vacation Time
• Flexible Wellness Days
• 11 Paid Holidays
• Paid Sick Time
• Paid Volunteer Time Off
• Dependent Care Flexible Spending Account
• Employee assistance program
• Long Term Disability insurance
• Life insurance (up to twice annual salary at no cost)
• Legal Insurance
• Pet Insurance
• Technology Stipend
• 401(k) with matching contribution
• Tuition reimbursement
• Coastal Community Bank Account and Loan Perks
• Employee Logo Wear Allowance