Small Business Banking Credit Analyst II
Company: Capital One
Location: Plano
Posted on: August 3, 2022
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Job Description:
Plano 2 (31062), United States of America, Plano, TexasSmall
Business Banking Credit Analyst II***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 distractionsA 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 here. To test your home
internet from your personal computer at home, type
www.speedtest.net into the web browser of your personal computer.
Sustained ability to maintain latency less than 250 ms in voice
calls is requiredHard wired connectivity is preferred, any use of
wireless connectivity must be Private (non-public) and password
protected through WPA2-PSK (AES) encryption. If you have any
questions about your encryption, please consult with your internet
providerA private network is password protected where you have
ownership or line of site to every device on the networkCapital One
reserves the right to request proof of internet provider, speed and
service package from the associate Requirements are subject to
change, as new systems and technology is delivered. Capital One
reserves the right to modify internet service requirements with
sixty (60) days notice. Basic Qualifications:Bachelor's DegreeAt
least 3 years of experience in credit analysis, underwriting or
loan review.Preferred Qualifications:Bachelor's Degree in Finance
or Accounting5 years of experience in credit analysis, underwriting
or loan review.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.comCapital 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).
Keywords: Capital One, Plano , Small Business Banking Credit Analyst II, Accounting, Auditing , Plano, Texas
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