Senior Credit Analyst

About Us
Capital Bank N.A. is the fifth largest bank headquartered in Maryland, serving our communities since 1999. We offer commercial and consumer banking services to clients in the DC metro area, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states.

Come join a bank where our employees thrive and are engaged in meaningful work. For the third year in a row, American Banker named Capital Bank one of the "Best Banks to Work For" in the U.S.

Position Description
Capital Bank is currently looking for an experienced Credit Analyst to join our team. This role will provide quality service to internal Commercial Lenders through personal and business financial statement analyses by utilizing internal and external technology. The role will focus on C&I Underwriting and supporting the CRE lending team in producing financial spreads.

Position Responsibilities

• Create corporate financial spreads utilizing the Statement Analyzer Software Program.
• Create personal net worth and personal debt analyses utilizing Excel based template spreadsheets.
• Perform narrative analysis of corporate spreads to understand the financial strengths and weaknesses.
• Analyze personal net worth, and personal and contingent debt to determine guarantor strength.
• Interact with Commercial Lenders and approving officers to assist in appropriate loan structure that addresses client need while minimizing risk to the Bank.
• Assist in drafting loan offering package for approval.
• Perform collateral analysis.
• Complete ongoing Annual Reviews of existing borrowing relationships which may include direct contact with borrowers in connection with the request for updated financial information.
• Attend customer meetings, calls and participate in telephone conference calls, as necessary.
• Maintain compliance with internal Bank policies and procedures.
• Stay informed about the legal, compliance and market-risk-related issues involved in the approval of credit.
• Work with the team to solve complex credit issues and ensures that the final work product is in line with the Bank's expectations.
• Attend Credit Loan Committee and other relevant meetings and provides input on loan decisions.
• Other duties as assigned.

Minimum Education & Experience

• Bachelor's Degree in a related field of study required or equivalent in experience.
• A minimum of 3 years work experience as a Credit Analyst with a focus on C&I and exposure to CRE.

Preferred Qualifications and Skills

• Proficient in Microsoft Office Suite including Word, Excel, PowerPoint and Outlook.
• Proficient with Statement Analyzer Software Program (formerly Baker Hill) or similar financial statement analysis software experience.
• Excellent verbal and written communication skills.
• Highly analytical in nature.
• Ability to multi-task and deliver accurate results within established service level timeframes.
• Ability to work in a fast-paced environment.

Additional Details

• Partial remote or full remote work may be considered dependent upon prior experience.

Supporting Businesses. Helping People. Strengthening Communities.
Capital Bank, N.A. is an Affirmative Action, E-Verify, and Equal Opportunity Employer.