Credit Analyst I

Credit Analyst I

Small Business Lending is a dynamic space. We serve borrowing needs of businesses of various sizes from relatively small businesses owned by sole proprietors, to large corporations. This requires varying levels of sophistication in underwriting to ensure effective risk management with reasonable costs in proportion to loan size.

Responsibilities :

• Analyzes complex personal and corporate loan portfolio financial statements for loan risk rating and monitoring purposes on a single loan and relationship basis. Responsible for reviewing risk factors such as contingent liabilities recurring cash flows.
• Sets up tracking for and monitors the facility for covenant compliance, adequate collateral valuation, verification of structural soundness and identification of any credit weaknesses and reporting of any significant deterioration of borrowing relationship to department managers.
• Performs $1-3MM Loan Interim Reviews and prepares Loan Packages for Annual Reviews.
• Prepare and analyze financial spreads and cash flow statements to assess financial performance of the business.
• Financial spreads and credit packages created to be routinely of high quality, timely within deadlines, and require minimal revision by underwriters.
• Professionally manages and maintains satisfactory communication with borrowers and co-workers.
• Trains for and responsible for mastering all advanced credit concepts.
• Supports other credit-related activities and assists in divisional projects to achieve divisional goals.

Basic Qualifications :

Preferred Qualifications :

This role is hybrid meaning associates spend 3 days per week in-person at one of our offices listed on this job posting. Fridays are enterprise-wide virtual work days. Monday, Tuesday, Wednesday and Thursday are in-person days for associates to spend time together working in our beautifully-designed team areas.

Plano, TX : $72,800 - $83,100 for SBB Credit Analyst I

This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and / or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being.

Capital One is an equal opportunity employer (EOE, including disability / vet) committed to non-discrimination in compliance with applicable federal, state, and local laws.