Credit Analyst I

Small Business Lending is a very dynamic space where 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.

• 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.
• Prepare and analyze financial spreads and cash flow statements to assess financial performance of the business.
• 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.

• Bachelor’s Degree or military experience

• 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.

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.

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.

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.

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 1-800-304-9102 or via email at [email protected].

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 [email protected]

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).