Commercial Credit Analyst - Regional Commercial Bank

Capital One
Dallas, Texas, United States
Jan 22, 2023
Feb 21, 2023
Full Time
Plaza Of Americas (31012), United States of America, Dallas, Texas

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.

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.

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 . 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

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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).