Credit Analyst I

Small Business Lending is a very 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:

• Bachelor’s Degree

Preferred Qualifications:

• Bachelor’s degree in Accounting or Finance
• At least 2 years of experience in financial statements, lending analysis, underwriting or loan review.

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.

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

• 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. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.