Capital Bank, N.A.
Credit Analyst
Capital Bank, N.A., Rockville, Maryland, us, 20849
About Us Capital Bank N.A. is headquartered in Maryland, and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $2 billion in assets. We offer commercial and consumer banking services to clients in Maryland, DC, and Northern Virginia, 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. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.
Come join a bank where our employees thrive and are engaged in meaningful work. For the last 4 out of 5 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.
Position PurposeThe Credit Analyst 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 ResponsibilitiesCreate 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.Working Arrangements
This is a hybrid role expected to work in office Monday, Tuesday, Thursday, and Friday. You will be able to work remotely on Wednesday.Compensation:
Base Salary Range:
$102,412 - $153,619 annually. Final determination of where you are at in the salary range is based on numerous factors such as relevant experience, skill set, education, and ability to meet qualifications within the job description.Additional Compensation:
This role will include a yearly annual target bonus based on individual performance.Why Join Us?
Join a growing company with a culture that fosters an entrepreneurial spiritComprehensive benefits package
including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more!Company Contributions to your 401k - Regardless of your contributionEmployee Perks:
Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more!Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities
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 60-1.35(c)
Come join a bank where our employees thrive and are engaged in meaningful work. For the last 4 out of 5 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.
Position PurposeThe Credit Analyst 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 ResponsibilitiesCreate 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.Working Arrangements
This is a hybrid role expected to work in office Monday, Tuesday, Thursday, and Friday. You will be able to work remotely on Wednesday.Compensation:
Base Salary Range:
$102,412 - $153,619 annually. Final determination of where you are at in the salary range is based on numerous factors such as relevant experience, skill set, education, and ability to meet qualifications within the job description.Additional Compensation:
This role will include a yearly annual target bonus based on individual performance.Why Join Us?
Join a growing company with a culture that fosters an entrepreneurial spiritComprehensive benefits package
including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more!Company Contributions to your 401k - Regardless of your contributionEmployee Perks:
Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more!Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities
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 60-1.35(c)