{"id":1399962,"url":"https://alion.io/job/capital-one-credit-analyst-i","title":"Credit Analyst I","company":{"id":5239,"name":"Capital One","domain":"capitalone.com","url":"https://alion.io/company/capitalone","size_band":"5000+","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workday","truth_index":{"grade":"B","score":83,"open_postings":185,"ghost_share":0,"stale_share":0.649,"repost_share":0.027,"time_to_fill_p50_days":30,"computed_at":"2026-10-21T05:46:15Z"}},"role":"Finance","role_family":"Finance","seniority":"junior","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Plano, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":74200,"max":84700,"currency":"USD","period":"year","gross":null,"usd_annual":84700},"salary_estimate":null,"experience_years_min":2,"visa_sponsorship":true,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-09-28T14:53:27Z","employer_posted_date":"2026-09-28","last_verified_at":"2026-10-21T21:51:34Z","board_verified":true,"closed_at":null,"days_open":23,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":23},"description":"Credit Analyst ISmall Business Lending is a very dynamic space where we serve borrowing needs of businesses of various sizes from relatively small businesses owned by sole proprietors, to large corporations. This requires varying levels of sophistication in underwriting to ensure effective risk management with reasonable costs in proportion to loan size.\nResponsibilities: \nAnalyzes complex personal and corporate loan portfolio financial statements for loan risk rating and monitoring purposes on a single loan and relationship basis. Responsible for reviewing risk factors such as contingent liabilities recurring cash flows. \nSets up tracking for and monitors the facility for covenant compliance, adequate collateral valuation, verification of structural soundness and identification of any credit weaknesses and reporting of any significant deterioration of borrowing relationship to department managers. \nPerforms $1-3MM Loan Interim Reviews and prepares Loan Packages for Annual Reviews. \nPrepare and analyze financial spreads and cash flow statements to assess financial performance of the business.\nFinancial spreads and credit packages created to be routinely of high quality, timely within deadlines, and require minimal revision by underwriters. \nProfessionally manages and maintains satisfactory communication with borrowers and co-workers. \nTrains for and responsible for mastering all advanced credit concepts. \nSupports other credit-related activities and assists in divisional projects to achieve divisional goals. \nBasic Qualifications:\nBachelor’s Degree or military experience\nPreferred Qualifications:\nBachelor’s degree in Accounting or Finance \n2+ years of experience in financial statements, lending analysis, underwriting or loan review\nAt this time, Capital One will not sponsor a new applicant for employment authorization for this position.\nThe minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.\nPlano, TX: $74,200 - $84,700 for SBB Credit Analyst ICandidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.\nThis role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.\nThis role is expected to accept applications for a minimum of 5 business days.No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.\nFor technical support or questions about Capital One's recruiting process, please send an email to \nCapital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.\nCapital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).","description_format":"text","description_chars":4952,"description_truncated":false,"requirements":{"experience_years_min":2,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Commercial & Retail Banks","Cards & Card Issuing","Leasing, Auto & Equipment Finance"],"lifecycle":[{"event":"open","at":"2026-09-28T14:53:27Z"}],"visa":[{"country":"US","licensed_sponsor":true,"evidence":"H-1B filings in 12 months: 991 · green card filings: 30","filings_12m":991,"filings_prev_12m":732,"green_card_filings_12m":30,"median_offered_wage_usd":146619,"route":null,"cap_exempt":false,"checked_at":"2026-10-15T11:24:14+00:00","sources":["US Department of Labor: LCA disclosure data (H-1B, H-1B1, E-3)","US Department of Labor: PERM disclosure data (green cards)"],"filings_for_role_12m":0}],"liveness":{"score":39,"band":"fade","label":"Fading","p_open":1,"p_active":0.516,"p_room":0.75,"age_days":22,"expected_fill_days":30,"reasons":["conf:1","stale_co","velocity","win:late","comp:junior,brand"],"computed_at":"2026-10-21T05:46:15Z"},"pay":{"stated_usd_annual":84700,"is_top_pay":true},"html_url":"https://alion.io/job/capital-one-credit-analyst-i","json_url":"https://alion.io/job/capital-one-credit-analyst-i.json","meta":{"generated_at":"2026-10-21T21:58:01Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":31266,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-22T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":5239},"rest":"https://alion.io/mcp/rest/get_company?id=5239"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fcapital-one-credit-analyst-i"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fcapital-one-credit-analyst-i"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fcapital-one-credit-analyst-i"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/capital-one-credit-analyst-i\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fcapital-one-credit-analyst-i"}]}