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    Credit Analyst - Rockville, United States - Capital Bank

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    Description
    About Us
    Capital Bank N.A. 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.

    Come join a bank where our employees thrive and are engaged in meaningful work.

    For the third year in a row, American Banker named Capital Bank one of the "Best Banks to Work For" in the U.S.

    Position Description

    Capital Bank is 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.

    Preferred Qualifications and Skills

    Proficient in Microsoft Office Suite including Word, Excel, PowerPoint and Outlook.

    Proficient with Statement Analyzer Software Program (formerly Baker Hill) or similar financial statement analysis software experience.

    Excellent verbal and written communication skills.

    Highly analytical in nature.

    Ability to multi-task and deliver accurate results within established service level timeframes.

    Ability to work in a fast-paced environment.

    Additional Details

    Flexible hybrid working arrangement may be considered dependent upon prior experience.

    Supporting Businesses. Helping People. Strengthening Communities.
    Capital Bank, N.A. is an Affirmative Action, E-Verify, and Equal Opportunity Employer.

    Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities


    The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.

    However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information.

    41 CFR c)
    #J-18808-Ljbffr


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