Credit Analyst II

Capital Bancorp Plc • Rockville, MD

259d • $102,412 - $140,817

About The Position

Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. We offer commercial and consumer banking services to clients in Maryland, DC, and Northern Virginia, 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. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey. Come join a bank where our employees thrive and are engaged in meaningful work. For the last 5 out of 6 years, Capital Bank was named one of the 'Best Banks to Work For' in the U.S. by American Banker.

Requirements

• Bachelor's Degree in a related field of study required or equivalent in experience.
• A minimum of 2-6 years' work experience as an Underwriter with a focus on C&I and exposure to CRE.
• Proven experience managing a loan pipeline of commercial businesses with $4-10MM in revenue.
• Proficient in Microsoft Office Suite including Word, Excel, PowerPoint and Outlook.
• Proficient with SageWorks Abrigo or similar financial statement analysis software experience.
• Excellent verbal and written communication skills.
• Highly analytical and detail oriented in nature.
• Ability to multi-task and deliver accurate results within established service level timeframes.
• Ability to work in a fast-paced environment.

Responsibilities

• Create corporate financial spreads utilizing the Bank's software program.
• Create personal net worth and personal debt analyses utilizing Excel based template spreadsheets and the Bank's software program.
• Perform narrative analysis of corporate spreads to understand the financial strengths and weaknesses of a subject transaction.
• 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 basic 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 ensure 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.

Benefits

• Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more!
• Company Contributions to your 401k - Regardless of your contribution.
• Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more!
• Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree