- Keeps on top of industry best practice and is constantly looking for, proposing and implementing new technology to enable better internal customer service and accuracy.
- Provides quality service to internal relationship managers through personal and business financial statement analysis utilizing internal and external technology and resources relative to Commercial and Industrial as well as Real Estate Based lending proposals.
- Interacts with management relative to overall credit risk assessments and analysis.
- Mentors and coaches analysts within the team to help develop their skills.
- Perform narrative analysis of corporate spreads to communicate the financial strengths and weaknesses to the appropriate approver.
- 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 complex 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.
- Bachelor's Degree in a related field of study required or equivalent in experience.
- Proven experience managing a loan pipeline
- A minimum of 10+ years work experience as an Underwriter with a focus on C&I and exposure to CRE.
- 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.
- Flexible hybrid schedules may be considered dependent upon prior experience.
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Senior Credit Analyst - Rockville, United States - Capital Bank
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 an experienced 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, participating in loan committee meetings, high level analytical underwriting to take part in lending decisions.
Position Responsibilities
Minimum Education & Experience
Preferred Qualifications and Skills
Additional Details
Supporting Businesses. Helping People. Strengthening Communities.
Capital Bank, N.A. is an Affirmative Action, E-Verify, and Equal Opportunity Employer.
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)
