Credit Analyst II

Capital Bank MD
life insurance, parental leave, paid time off, paid holidays, tuition reimbursement, 401(k)
United States, Maryland, Rockville
Apr 11, 2025
Description 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. Working Arrangements This is a flexible hybrid role expected to based in our Corporate Headquarters in Rockville, MD. Compensation Base Salary Range: $102,412 - $140,817 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 Compliance It is the responsibility of each bank staff member and of management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject. Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations. The above mentioned are intended to describe the general nature and level of work performed rather than to be an inclusive list of all duties, responsibilities and skills required for the position. Job duties may be changed at anytime at management's discretion. The job description is not intended to create contractual obligations of any kind. Capital Bank, N.A. is an Affirmative Action and Equal Opportunity Employer Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)