Description
Client is the fifth largest bank headquartered in Maryland, serving our communities since 1999. We offer commercial and consumer banking services to clients in the DC metro area, 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.
Flexible hybrid working arrangement may be considered dependent upon prior experience.
Position Description : Currently looking for a Credit Analyst to join our team! This role will provide quality service to internal Commercial Lenders through personal and business financial statement analyses by utilizing internal and external technology.
The role will focus on C&I Underwriting and supporting the CRE lending team in producing financial spreads. This role is eligible for flexible hybrid schedule.
Position Responsibilities
- Create corporate financial spreads utilizing the Bank’s software program.
- Create personal net worth and personal debt analyses utilizing Excel based template spreadsheets.
- Perform narrative analysis of corporate spreads to understand the financial strengths and weaknesses.
- Analyze personal net worth, and personal and contingent debt to determine guarantor strength.
- Interact with Commercial Lenders and approving officers to assist in appropriate loan structure that addresses client need while minimizing risk to the Bank.
- Assist in drafting loan offering package for approval.
- Perform collateral analysis.
- Attend customer meetings and participate in telephone conference calls, as necessary.
- Maintain compliance with internal Bank policies and procedures.
- Stay informed about the legal, compliance and market-risk-related issues involved in the approval of credit.
- Work with the team to solve credit issues and ensures that the final work product is in line with the Bank’s expectations and timelines.
- Attend Credit Loan Committee and other relevant meetings.
- Other duties as assigned.
Minimum Education & Experience
- Bachelor’s Degree in a related field of study required or equivalent in experience.
- A minimum of 3-5 years work experience as an Underwriter with a focus on C&I and exposure to CRE.
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