Credit Analyst I — Small Business Lending Underwriter

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

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.