Credit Risk Analyst

4 days ago

Rockville, Maryland, United States Capital Bank Full time
About Us

Capital Bank N.A. is a leading financial institution headquartered in Maryland, serving our communities since 1999. We offer a range of commercial and consumer banking services to clients in the DC metro area, 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 Mission

We strive to provide exceptional service to our clients, while fostering a culture of innovation, collaboration, and community involvement. Our employees thrive in a dynamic and engaging work environment, where they can make a meaningful impact.

Position Overview

We are seeking a highly skilled Credit Analyst to join our team. This role will provide quality service to internal Commercial Lenders through personal and business financial statement analyses, utilizing internal and external technology. The successful candidate will focus on C&I Underwriting and supporting the CRE lending team in producing financial spreads.

Key Responsibilities

  • Create corporate financial spreads utilizing the Bank's software program.
  • Create personal net worth and personal debt analyses utilizing Excel based template spreadsheets.
  • Perform narrative analysis of corporate spreads to understand the financial strengths and weaknesses.
  • 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 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 ensures 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.

Requirements

  • Bachelor's Degree in a related field of study required or equivalent in experience.
  • A minimum of 3-5 years work experience as an Underwriter with a focus on C&I and exposure to CRE.

Preferred Qualifications and Skills

  • Proficient in Microsoft Office Suite including Word, Excel, PowerPoint and Outlook.
  • Proficient with Statement Analyzer Software Program (formerly Baker Hill) or similar financial statement analysis software experience.
  • Excellent verbal and written communication skills.
  • Highly analytical in nature.
  • Ability to multi-task and deliver accurate results within established service level timeframes.
  • Ability to work in a fast-paced environment.

Additional Details

  • Flexible hybrid working arrangement may be considered dependent upon prior experience.

  • Financial Risk Management Analyst

    2 weeks ago

    Rockville, Maryland, United States MDDC Credit Union Association Full time

    Welcome to MDDC Credit Union Association Careers. Our organization is expanding, and we are looking for exceptional individuals to support our members. Our team members are vital to our mission of being the leading financial partner for each of our members.Do you possess strong communication and interpersonal abilities?Are you skilled at conveying issues...

  • Financial Risk Management Analyst

    2 weeks ago

    Rockville, Maryland, United States MDDC Credit Union Association Full time

    Welcome to MDDC Credit Union Association Careers. Our organization is expanding, and we are looking for exceptional individuals to support our members. Our team members are vital to our mission of being the leading financial partner for all our members.Do you possess strong communication and interpersonal abilities?Are you adept at articulating issues...

  • Financial Risk Analyst

    2 weeks ago

    Rockville, Maryland, United States Capital Bank Full time

    About UsCapital Bank N.A. is a prominent financial institution based in Maryland, dedicated to serving our communities since 1999. We provide a range of commercial and consumer banking solutions to clients in the DC metro area, along with two nationwide lending brands: Capital Bank Home Loans and OpenSky, a credit card division that manages credit card...

  • Credit Risk Analysis Specialist

    2 weeks ago

    Rockville, Maryland, United States Capital Bank, N.A. Full time

    Position OverviewThe Credit Risk Analysis Specialist plays a pivotal role in collaboration with the Chief Credit Officer (CCO) by gathering, assessing, and entering critical data elements that are essential for the Bank's projections of anticipated credit losses and its concentration management strategy. This role includes conducting stress tests and...

  • Corporate Finance Analyst

    1 week ago

    Rockville, Maryland, United States Lafayette Federal Credit Union Full time

    NOTICE: JOB APPLICANTS LIMITED TO DC, MD, OR VA RESIDENTS. POSITION IS HYBRID. Please note that we are exclusively considering applicants residing in the District of Columbia, Maryland, or Virginia for all open positions. Join Lafayette Federal Credit Union, a proud recipient of USA Today's Top Workplaces of 2024 award We are expanding and looking for...

  • Financial Planning Analyst

    1 week ago

    Rockville, Maryland, United States Lafayette Federal Credit Union Full time

    NOTICE: JOB APPLICANTS LIMITED TO DC, MD, OR VA RESIDENTS. POSITION IS HYBRID. Please note that we are exclusively considering applicants residing in the District of Columbia, Maryland, or Virginia for all open positions. Join Lafayette Federal Credit Union, a proud recipient of USA Today's Top Workplaces of 2024 award We are expanding and looking for...

  • Financial Analyst

    3 days ago

    Rockville, Maryland, United States Lafayette Federal Credit Union Full time

    About the RoleWe are seeking a highly skilled Financial Analyst to join our dynamic team at Lafayette Federal Credit Union. As a Financial Analyst, you will play a critical role in the overall administration of investment services, with responsibility for the Credit Union's liability and certificate programs.Key ResponsibilitiesDevelop and Maintain Robust...

  • Financial Credit Assessment Analyst

    2 weeks ago

    Rockville, Maryland, United States Capital Bank, N.A. Full time

    Position OverviewThe Credit Risk Analysis Specialist plays a vital role in collaboration with the Chief Credit Officer (CCO) by gathering, assessing, and entering critical data elements necessary for supporting the Bank's projections of anticipated credit losses and its concentration management initiatives. This role includes conducting stress tests and...

  • Supply Chain Risk Analyst

    2 weeks ago

    Rockville, Maryland, United States BAE Systems USA Full time

    Job OverviewBAE Systems Intelligence & Security specializes in creating and implementing cutting-edge defense, intelligence, and security solutions that are vital to our clients' missions. We are currently seeking a Supply Chain Risk Analyst to contribute to the U.S. Navy's Strategic Systems Programs (SSP) Office and the Trident II D5 Strategic Weapon System...

  • Senior Nuclear Risk Analyst

    1 week ago

    Rockville, Maryland, United States X Energy, LLC Full time

    X Energy, LLC is actively seeking qualified individuals to become part of our Risk Informed Safety Analysis team in the capacity of Senior Nuclear Risk Analyst.This role involves conducting comprehensive risk evaluations in line with relevant industry standards and guidelines, as well as authoring and reviewing documents associated with Probabilistic Risk...

  • Financial Analyst at Lafayette Federal Credit Union

    2 weeks ago

    Rockville, Maryland, United States Lafayette Federal Credit Union Full time

    About Lafayette Federal Credit Union When you choose a Lafayette Federal career, you choose to work in an environment where member focus is our bread-and-butter. We have a stable presence in the Washington Metropolitan area, a tenacious spirit and a genuine love for what we do — serving our members. If you seek a career in banking, our job openings offer...

  • Financial Insights Consultant

    2 weeks ago

    Rockville, Maryland, United States Lafayette Federal Credit Union Full time

    NOTICE: JOB APPLICANTS LIMITED TO DC, MD, OR VA RESIDENTS. POSITION IS HYBRID. Please note that we are exclusively considering applicants residing in the District of Columbia, Maryland, or Virginia for all open positions. Join Lafayette Federal Credit Union, recognized as one of USA Today's Top Workplaces of 2024 We are in search of outstanding talent to...

  • Commercial Lending Administrator

    2 weeks ago

    Rockville, Maryland, United States Lafayette Federal Credit Union Full time

    Position OverviewNOTICE: APPLICANTS MUST RESIDE IN DC, MD, OR VA. THIS ROLE IS HYBRID. We are exclusively considering candidates who live in the District of Columbia, Maryland, or Virginia for this position.Lafayette Federal Credit Union is proud to be recognized as one of USA Today's Top Workplaces of 2024.We are in search of talented individuals to enhance...

  • Asset Recovery Analyst

    2 weeks ago

    Rockville, Maryland, United States Lafayette Federal Credit Union Full time

    Job OverviewNOTICE: JOB APPLICANTS LIMITED TO DC, MD, OR VA RESIDENTS. POSITION IS HYBRID.We are exclusively considering applicants residing in the District of Columbia, Maryland, or Virginia for all open positions.About Lafayette Federal Credit Union:Lafayette Federal Credit Union has been recognized as one of USA Today's Top Workplaces of 2024. We are...

  • Asset Recovery Analyst

    2 weeks ago

    Rockville, Maryland, United States Lafayette Federal Credit Union Full time

    Job OverviewNOTICE: APPLICANTS MUST RESIDE IN DC, MD, OR VA. THIS POSITION OFFERS A HYBRID WORK ENVIRONMENT.We are currently considering candidates who live in the District of Columbia, Maryland, or Virginia for all available positions.Lafayette Federal Credit Union, recognized as one of USA Today's Top Workplaces of 2024, is expanding its team and looking...

  • Vice President of Commercial Lending and Business Development

    3 hours ago

    Rockville, Maryland, United States Lafayette Federal Credit Union Full time

    About the RoleWe are seeking a highly experienced and skilled Vice President of Commercial Lending to join our dynamic team at Lafayette Federal Credit Union. As a key member of our leadership team, you will be responsible for driving the growth and success of our commercial lending operations.Key ResponsibilitiesCommercial Lending Strategy: Develop and...

  • Lead Commercial Credit Auditor

    2 weeks ago

    Rockville, Maryland, United States The Ladders Full time

    Overview At The Ladders, we are committed to fostering a culture that prioritizes Relationships FIRST. Our organization emphasizes being Flexible, Involved, Responsive, Strong, and Trusted. By nurturing meaningful connections with our clients, team members, and stakeholders, we consistently strive to provide exceptional and valuable services. We uphold the...

  • Information Assurance Support Analyst

    1 month ago

    Rockville, Maryland, United States Astrion Full time

    Astrion has an exciting opportunity for a Information Assurance Support Analyst for the NRC-CPSS Contract, supporting the Civilian Division.Must hold at least one of the following certifications: CompTIA Security+, CISSP, ISACA CISA, GIAC GSEC, GIAC GSNA, GIAC GPEN, CEH, CAP, CASP+, CRISC, or CCSKExperience with vulnerability scanning tools, such as Tenable...

  • Contract & Pricing Analyst

    4 weeks ago

    Rockville, Maryland, United States Owens & Minor Full time

    At Owens & Minor, we are a critical part of the healthcare process. As a Fortune 500 company with 50+ facilities across the US and 18,000 teammates in over 90 countries, we provide integrated technologies, products and services across the full continuum of care. Customers—and their patients—are at the heart of what we do.Our mission is to empower our...

  • Lead Cybersecurity Analyst

    2 weeks ago

    Rockville, Maryland, United States The Consortium Full time

    The Consortium is seeking a Lead Cybersecurity Analyst. This role is pivotal in overseeing various analytical functions, including the identification and classification of anomalies, strategic direction related to infrastructure, and support in risk management strategies. This position will also encompass analytical assistance and statistical insights for...