Credit Analyst II

About Us

Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. We offer commercial and consumer banking services to clients in Maryland, DC, and Northern Virginia, 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. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.

Come join a bank where our employees thrive and are engaged in meaningful work. For the last 5 out of 6 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.

Position Purpose

The Credit Analyst reports directly to the Senior Credit Officer and provides quality service to internal Commercial Lenders through personal and business financial statement analyses utilizing internal and external technology and resources related to Commercial and Industrial as well as Real Estate Based lending proposals.

Position Responsibilities

• Create corporate financial spreads utilizing the Bank’s software program.
• Create personal net worth and personal debt analyses utilizing Excel based template spreadsheets and the Bank’s software program.
• Perform narrative analysis of corporate spreads to understand the financial strengths and weaknesses of a subject transaction.
• 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 basic collateral analysis.
• Attend customer meetings 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 credit issues and ensure that the final work product is in line with the Bank’s expectations and timelines.
• Attend Credit Loan Committee and other relevant meetings.
• Other duties as assigned.

Minimum Education & Experience

• Bachelor’s Degree in a related field of study required or equivalent in experience.
• A minimum of 2-6 years’ work experience as an Underwriter with a focus on C&I and exposure to CRE.
• Proven experience managing a loan pipeline of commercial businesses with $4-10MM in revenue

  Technical Knowledge and Skills

• Proficient in Microsoft Office Suite including Word, Excel, PowerPoint and Outlook.
• Proficient with SageWorks Abrigo or similar financial statement analysis software experience.
• Excellent verbal and written communication skills. 
• Highly analytical and detail oriented in nature.
• Ability to multi-task and deliver accurate results within established service level timeframes.
• Ability to work in a fast-paced environment.

Compensation

• Base Salary Range: $100,000 – $135,000 annually. Final determination of where you are at in the salary range is based on numerous factors such as geographic location, relevant experience, skill set, education, and ability to meet qualifications within the job description.
• Additional Compensation: This role will include a yearly annual target bonus based on individual performance.

Working Arrangements

• This is a hybrid role expected to work in office Monday, Tuesday, Thursday, and Friday. This person can sit out of our Rockville headquarters. You will be able to work remotely on Wednesday. 

Why Join Us?

• Join a growing company with a culture that fosters an entrepreneurial spirit
• Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more? 
• Company Contributions to your 401k - Regardless of your contribution
• Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more!
• Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities 

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