Sr. Commercial Credit Analyst

Sr. Commercial Credit Analyst

Capital One’s Commercial Bank, services a $70 billion loan portfolio of more than 6,100 clients. We span several lines of business to deliver strategic client solutions by driving digital innovations that transform businesses and industries. 

 

As a Portfolio Analyst, you will learn and employ the fundamentals of Underwriting and Portfolio Management.  While in the role of Portfolio Analyst, you will experience the following:

• Detailed coaching and development of current portfolio analyst skills. 

• Exposure to clients through participation in client meetings and calls.

• Exposure to more complex clients and credits through mentorship with seasoned UWs, deal shadowing and other learning opportunities.

• Formal career guidance to assist in obtaining future roles within Relationship Management, Underwriting or Credit Risk. 

Regional Commercial Bank
 

The Regional Commercial Bank is a business line that services clients within our traditional retail branch network, which includes VA, MD, DC, NYC, NJ, TX and LA.  The RCB portfolio consists of over $7 Billion in credit exposure to 550+ clients.
 

Primary Roles and Responsibilities:

• Evaluate current and prospective clients and credit facilities by performing financial statement analysis, calculating adherence to borrowing bases and loan covenants, and assessing the overall risk within the client’s business, industry, customer base and geography.  

• Perform research and analysis of industry and market data to complete financial analysis and projections

• Raise insightful questions on complex deals with UWs/RMs and turns findings into a solid Credit package

• Compile and synthesize loan, market and company information to complete new requests, annual client reviews, and facility renewals.

• Demonstrate ability to take a risk based approach to deal evaluation and to handle discussions with SCOs/product partners

• Own and manage a portfolio of low-risk accounts supporting a variety of clients and industries

• Ensure data integrity within Capital One’s commercial loan systems by reviewing all financial, regulatory and loan documentation data to ensure accuracy and completeness.
   

Basic Qualifications:

• Bachelor’s Degree or Military Experience 

• At least 1 year of experience in credit underwriting, portfolio management, or asset management

Preferred Qualifications:

• 1+ years of experience with Process Improvement 

• Bachelor's Degree in Finance, Accounting, Statistics or Economics

****At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

#UWPM

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: $86,000 - $98,200 for Sr. Commercial Credit Analyst

 

 

 

 

 

 

 

 

 

 

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.

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.

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

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