Junior Credit Analyst, Small Business Lending

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

Job summary

Capital One is seeking a Credit Analyst I for Small Business Lending in Plano, TX. You will analyze complex loan statements, assess risk, and support covenant tracking across a portfolio.

The role requires a Bachelor's degree or military experience; 2+ years in financial statements or lending analysis is preferred. You will prepare financial spreads, interact with borrowers, and contribute to credit knowledge and process improvements.

Qualifications

• Bachelor's degree or military experience required.
• 2+ years experience in financial statements, lending analysis, underwriting or loan review preferred.

Responsibilities

• Analyzes complex personal and corporate loan portfolio financial statements for loan risk rating and monitoring.
• Reviews risk factors such as contingent liabilities and recurring cash flows.
• Sets up tracking for covenant compliance and collateral valuation; reports deterioration of borrowing relationships.
• Performs loan interim reviews and prepares loan packages for annual reviews.
• Prepares and analyzes financial spreads and cash flows to assess performance.
• Manages communications with borrowers and co-workers; supports divisional projects.

Skills

Financial analysis

Lending analysis

Underwriting

Loan review

Education

Bachelor's degree in Accounting or Finance

Bachelor's Degree or military experience

Job description

Capital One is seeking a Credit Analyst I for Small Business Lending in Plano, TX. You will analyze complex loan statements, assess risk, and support covenant tracking across a portfolio.

The role requires a Bachelor's degree or military experience; 2+ years in financial statements or lending analysis is preferred. You will prepare financial spreads, interact with borrowers, and contribute to credit knowledge and process improvements.