Credit Analyst I

Capital One Group; Plano (TX); On-site; USD 74,000 - 85,000; Full time

Job summary

Capital One in Plano, TX is seeking a Credit Analyst I to analyze complex loan portfolios and monitor risk on individual loans and relationships. The role involves evaluating financial statements, cash flows, covenants, and collateral, with emphasis on timely, high-quality credit packages.

Responsibilities include interim reviews, annual review prep, and ongoing communication with borrowers and colleagues while developing advanced credit expertise.

Qualifications

• Bachelor’s degree or military experience.
• 2+ years of experience in financial statements, lending analysis, underwriting or loan review.
• Bachelor’s degree in Accounting or Finance preferred.

Responsibilities

• Analyzes complex personal and corporate loan portfolio financial statements for loan risk rating and monitoring.
• Sets up tracking for covenant compliance, collateral valuation, and identifies credit weaknesses.
• Performs 1–3MM loan interim reviews and prepares annual review packages.
• Prepares financial spreads and cash flow statements to assess performance.
• Creates high-quality credit packages ready for underwriters and timely revisions.
• Maintains communication with borrowers and team members.
• Trains to master advanced credit concepts and supports divisional projects.

Skills

Financial statements analysis

Lending analysis

Underwriting

Loan review

Education

Bachelor’s degree

Military experience

Job description

## Credit Analyst IApply: Plano, TX: Full time: Posted Today: R1002086Credit Analyst ISmall Business Lending is a very dynamic space where 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. 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.* Prepare and analyze financial spreads and cash flow statements to assess financial performance of the business.* 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.* Supports other credit-related activities and assists in divisional projects to achieve divisional goals.Basic Qualifications: * Bachelor’s Degree or military experiencePreferred Qualifications:* Bachelor’s degree in Accounting or Finance* 2+ years of experience in financial statements, lending analysis, underwriting or loan review **At this time, Capital One will not sponsor a new applicant for employment authorization for this position.**The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.Plano, TX: $74,200 - $84,700 for SBB Credit Analyst ICandidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.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.This role is expected to accept applications for a minimum of 5 business days.No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. 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.