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    Credit Analyst I - Richmond, United States - Capital One

    Capital One background
    Description

    Plano , United States of America, Plano, Texas

    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.
    • 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
    • 2+ years of experience in financial statements, lending analysis, underwriting or loan review.
    At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

    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.

    This role is expected to accept applications for a minimum of 5 business days.

    No agencies please. Capital One is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable federal, state or local law. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections ; New York City's Fair Chance Act; Philadelphia's Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

    If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at or via email at All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

    For technical support or questions about Capital One's recruiting process, please send an email to

    Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

    Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

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