Financial Analyst

Capital Bank, N.A.; Rockville (MD); Remote; USD 80,000 - 105,000; Full time

Job summary

A leading bank in Maryland is seeking a Financial Analyst to evaluate the financial condition of clients applying for business credits. This role involves analyzing loan data, preparing reports, and managing loan applications. The ideal candidate will have significant experience in financial analysis and a strong understanding of credit principles. This is a remote position with a competitive salary and comprehensive benefits package.

Benefits

Comprehensive benefits package

Paid Parental Leave

Tuition Reimbursement Program

Generous Paid Time Off

Qualifications

• Minimum of 5 years of experience analyzing business financial statements.
• A track record of success in fostering profitable business relationships.

Responsibilities

• Evaluates financial condition of individuals and businesses applying for credits.
• Prepares spreadsheets, reports, summaries for credit officers on business loans.

Skills

Credit Analysis

Financial Statement Analysis

Research Skills

Problem Solving

Organizational Skills

Education

Bachelor's degree in relevant field

Tools

Microsoft Office

Jack Henry Bank Core Processing System

LaserPro

Job description

Get AI-powered advice on this job and more exclusive features.

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.

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 Financial Analyst evaluates the financial condition of individuals and businesses applying for business credits with the bank. Related loans will include conventional business loans or Government Lending, USDA and SBA 7(a), 504 credits and other lending transactions. This position analyzes loan data on new, renewal and existing business loans, including data provided by credit bureaus, other banks and bank files. Prepares spreadsheets, reports, summaries and opinions for credit officers on these business loans.

Position Responsibilities

• Preparing, reviewing and analyzing the creditworthiness of all Government Guaranteed Lending loan originations and renewals by collecting all necessary documentation, compiling and spreading information in Bank’s software.
• Manages loan applications and prospective customers assigned that involve significant amounts of loan screening and analysis. Conducts thorough, comprehensive business and organizational analysis to form a deep, broad, accurate and up-to-date understanding of that business’s health, capacity and capability to appropriately utilize and fully repay its loan in a timely manner. Analyzes economic and market data.
• Works collaboratively and cooperatively with other staff to complete loan transactions, promote internal teamwork facilitate learning and enable the loan department’s effectiveness. Effectively manages expectations and changing priorities.
• Supervises assigned loan portfolio and works closely with Special Asset Management or work-out staff as necessary.
• Ensures the security and confidentiality of private customer information. Protects against unauthorized access to or use of customer information that could result in harm or inconvenience to the customer.
• Be able to exercise discretion and work independently to make judgements with respect to matters of significance, and to be able to discern items that can impact risk to the Bank
• Work independently in the performance of office work directly related to the oversight and management of the general business operations of the bank while performing oversight and management of task on behalf of the bank’s customers and clients
  
  

Minimum Education & Experience

• Minimum of 5 years of experience analyzing business financial statements, producing debt coverage analysis using GAAP and financial analysis methods
• A track record of success in fostering and sustaining profitable business relationships with small to medium sized businesses
• Bachelor's degree in relevant field or equivalent work experience
  
  

Technical Knowledge And Skills

• Knowledge of computer systems as they relate to bank lending activities, including Microsoft Office
• A strong knowledge of credit analysis principles and pertinent laws
• Excellent business, financial statement, collateral analysis and research skills
• Knowledge of economic and accounting principles and practices, banking and the analysis and reporting of financial data
• A strong knowledge of credit analysis principles and pertinent laws
• Thorough knowledge and experience with Jack Henry Bank Core Processing System and LaserPro a plus
• Must be a creative thinker and proactive problem solver with a history of working efficiently and effectively, meeting deadlines and following projects through to completion
• Excellent organizational and analytical skills
• High level of accuracy and attention to detail
• Strong verbal and written communications skills
  
  

Working Arrangements

• 100% remote role
• Candidates within traveling distance to our Raleigh, NC location preferred.
  
  

Compensation

• Base Salary Range: $80,000 - $105,000 annually. Final determination of where you are at in the salary range is based on numerous factors such as 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.
  
  

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.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Banking

Referrals increase your chances of interviewing at Capital Bank, N.A. by 2x

Get notified about new Financial Analyst jobs in Rockville, MD.

Tysons Corner, VA $70,000.00-$85,000.00 2 weeks ago

Washington, DC $91,000.00-$95,000.00 2 days ago

Washington, DC $100,000.00-$105,000.00 2 days ago

Washington, DC $95,000.00-$115,000.00 6 days ago

Bethesda, MD $70,000.00-$80,000.00 4 months ago

Finance Analyst, Finance and Business Integration

Arlington, VA $60,200.00-$128,800.00 1 week ago

McLean, VA $115,000.00-$130,000.00 2 days ago

Lanham, MD $85,000.00-$95,000.00 2 weeks ago

Financial Analyst, Finance and Business Integration (FBI)

Hanover, MD $70,000.00-$80,000.00 3 weeks ago

We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.