Commercial Credit Analyst - Regional Commercial Bank
- Employer
- Capital One
- Location
- Dallas, Texas, United States
- Closing date
- Dec 11, 2022
View more
- Industry
- Financial Services and Banking
- Function
- Finance
- Hours
- Full Time
Job Details
Commercial Credit Analyst - Regional Commercial Bank
Commercial Credit Analyst - Regional Commercial Bank - Centralized Portfolio Management
At Capital One, we're building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is helping our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding.
Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams. Together, we are on a quest to change banking for good.
Capital One's Commercial Bank, which services a $70 billion loan portfolio, serving 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.
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 1000 clients and $5.8 Billion in credit exposure.
As an RCB Portfolio Analyst, you will learn 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 the participation in client calls and on-site visits.
- Exposure to more complex UW through mentorship with seasoned UW's, deal shadowing and other learning opportunities.
- Formal career guidance to assist in obtaining future roles within Relationship Management, Underwriting or Credit.
Primary Roles and Responsibilities:
- Evaluate current 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 projections.
- Compile and synthesize loan, market and company information to complete annual client reviews and facility renewals.
- Ensure data integrity within Capital One's commercial loan systems by reviewing all regulatory and loan documentation data to ensure accuracy and completeness.
Basic Qualifications:
- Bachelor's degree
- At least 6 months of financial analysis or credit analysis experience
Preferred Qualifications:
- At least one year of Commercial Credit Analysis experience preferred
- Experience with Process Improvement
- Related Coursework in Finance, Accounting, Statistics or Economics
At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
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, race, color, age, national origin, religion, physical and mental disability, genetic information, marital status, sexual orientation, gender identity/assignment, citizenship, pregnancy or maternity, protected veteran status, or any other status prohibited by applicable national, 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 4901-4920; 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 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com . 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 Careers@capitalone.com
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).
Company
We Don’t Only Think Big Things—At Capital One, We Do Big Things.
You’re dedicated to your career. You deserve professional satisfaction and personal fulfillment. You belong at Capital One.
Here, every day brings another chance to do impactful work that matters: helping millions of customers confidently manage their money, building stronger communities and delivering truly disruptive tech. You’ll give your all alongside some of the brightest, most resilient people in the industry—and in return, you’ll enjoy the growth opportunities, support, flexibility and benefits you need for an exhilarating life both on and off the job.
Be inspired. Be yourself. That’s #LifeAtCapitalOne.
Creating a Culture of Belonging
At Capital One, we value diversity, inclusion and belonging at our core. We’re building a place of belonging—where everyone can feel seen, heard, valued and free to be their authentic selves. We want to be a place of opportunity—where associates from all backgrounds innovate for our customers and communities, and build meaningful, fulfilling careers.
We endeavor to be a welcoming and inspiring place for all. We seek and embrace diversity. And we’re committed to having a diverse and inclusive workforce, focused on increasing the representation of underrepresented groups, strengthening our culture of inclusion and belonging and harnessing our scale to invest in our communities.
We’re focused on three core principles to advance diversity, inclusion and belonging across Capital One:
Create a culture of belonging where everyone can thrive and innovate
Attract and develop talent from all backgrounds and experiences
Ensure our systems and programs promote fairness and equity
Get a career with more at Capital One. Discover it for yourself today.
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, race, color, age, national origin, religion, sexual orientation, gender identity, protected veteran status, disability or other protected status.
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