Small Business Banking Credit Analyst II

Plano 2 (31062), United States of America, Plano, Texas

***Candidates must live within 100 miles driving distance of one of the HUB locations based in Plano, TX, McLean, VA, Richmond, VA, Melville, NY, or New York, NY to be considered.

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. We are competing for business with both established banks, as well as new fin tech entrants that’s shifting customer experience expectations. We are completely revamping our lending technology platform and loan production processes with customer focus and agile in mind, so we catapult the business forward in ways we can win with our customers.

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. Mentors more junior members of the team.

• Supports other credit-related activities and assists in divisional projects to achieve divisional goals.

Work at Home Technology Requirements:

• A secure home office environment that is free from background noise and distractions

• A reliable private internet connection that is not supplied by use cellular data (hot spot)

  • Cable or fiber connections are preferred

  • Internet service download speeds must be at least 5 mbps, with 10+ mbps preferred - check your download speed using a speed test. A sample one can be found [Register to View] . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

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    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).