Loan Operations Data & Compliance Analyst

Overview

Capital Bank N.A. is headquartered in Maryland and has been serving our 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 serving all states. We provide a personalized approach to banking with technology solutions and a comprehensive suite of products and services to support customers at every stage in their financial journey.

Come join a bank where our employees thrive and are engaged in meaningful work. Capital Bank was named one of the Best Banks to Work For in the U.S. by American Banker for the last 5 out of 6 years.

The Loan Operations Data & Compliance Analyst plays a vital role in ensuring the accuracy, completeness, and timely submission of regulatory loan data and related reporting. This position manages requirements associated with HMDA, CRA, 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 role also supports the FHLBank of Atlanta collateral reporting process by maintaining pledged loan data and preparing quarterly QCR submissions, ensuring investor reporting is accurate and timely. The incumbent serves as a key liaison bridging Loan Operations, Compliance, and other departments to maintain data integrity and regulatory preparedness throughout the loan lifecycle.

• Oversee the HMDA, CRA, and community development lending data processes within Loan Operations, managing the workflow from origination through 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 preparation and submission of quarterly QCR reports and related audit materials.
• Ensure accurate regulatory coding of all loans, including 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, 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 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 necessary operational or system changes.
• Work 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 for consistency in data capture and reporting processes.
• Support the implementation and testing of system enhancements impacting HMDA, CRA, and other regulatory data fields.
• Produce monthly and quarterly management reports summarizing data integrity, identifying exceptions, and highlighting trends.
• Identify and recommend improvements to systems or processes to enhance data accuracy and automation.
• Partner with Compliance to ensure policies,…