Senior Commercial Credit Analyst
2 weeks ago
Position: Senior Commercial Credit Analyst
Company Overview:
Capital One's Commercial Banking division manages a substantial loan portfolio valued at $70 billion, catering to over 6,100 clients. We integrate various business lines to provide strategic solutions, leveraging digital innovations that revolutionize industries.
Role Overview:
As a Senior Commercial Credit Analyst, you will immerse yourself in the principles of Underwriting and Portfolio Management. In this capacity, you will benefit from:
- Comprehensive coaching to enhance your current analytical skills.
- Engagement with clients through participation in meetings and discussions.
- Exposure to intricate client scenarios through mentorship with experienced Underwriters and opportunities for deal shadowing.
- Structured career guidance aimed at facilitating your progression into roles within Relationship Management, Underwriting, or Credit Risk.
The Regional Commercial Bank operates within our established retail branch network, managing a portfolio with over $7 billion in credit exposure across more than 550 clients.
Key Responsibilities:
- Assess current and potential clients along with their credit facilities by conducting financial statement evaluations, calculating compliance with borrowing bases and loan covenants, and analyzing overall risk factors associated with the client's operations, sector, clientele, and geographical area.
- Conduct thorough research and analysis of market and industry data to support financial assessments and forecasts.
- Pose insightful inquiries regarding complex transactions to Underwriters and Relationship Managers, transforming findings into a comprehensive Credit package.
- Aggregate and synthesize loan, market, and company data to fulfill new requests, conduct annual client evaluations, and manage facility renewals.
- Exhibit a risk-based approach to deal assessments and effectively engage in discussions with Senior Credit Officers and product partners.
- Oversee a portfolio of low-risk accounts, providing support across various client sectors.
- Ensure the accuracy and completeness of data within Capital One's commercial loan systems by meticulously reviewing all financial, regulatory, and loan documentation.
Basic:
- Bachelor's Degree or equivalent Military Experience.
- A minimum of 1 year of experience in credit underwriting, portfolio management, or asset management.
- Over 1 year of experience in Process Improvement.
- Bachelor's Degree in Finance, Accounting, Statistics, or Economics.
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