Credit Analyst II

Capital Bank, N.A. • Rockville, MD

1d • $100,000 - $135,000 • Hybrid

About The Position

The Credit Analyst reports directly to the Senior Credit Officer and provides quality service to internal Commercial Lenders through personal and business financial statement analyses utilizing internal and external technology and resources related to Commercial and Industrial as well as Real Estate Based lending proposals.

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