Public Finance Credit Analyst - Capital One

Job ID R74116

Updated date 04/24/2019

Location Melville, New York

1307 Walt Whitman (22600), United States of America, Melville, New York


At Capital One, we’re building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding.                                               

Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams. Together, we are on a quest to change banking for good.


Public Finance Credit Analyst
Capital One Public Funding, LLC (“COPF”), a business unit of Capital One Bank, was established in 2004 to provide municipal lease and direct-purchase bond financing to U.S. state and local governments.  COPF’s portfolio has since grown to over $5 billion and includes exposure to more than 1,000 public entities of all types (municipalities, school districts, special districts) across the 50 states and the District of Columbia. COPF’s team consists of 20 professionals with significant experience in municipal finance. COPF is seeking to expand its portfolio of tax-secured, revenue-backed, and appropriation-based obligations.




Manage the Bank’s credit exposure to assigned borrowers:


· Input certain financial statements and specified data into the Bank’s online risk analyst spreading system used to       determine risk ratings.
·  Prepare assigned borrower annual reviews.
·  Communicate any evidence of deteriorating situations.
·  Monitor rating agency changes for portfolio borrowers, process rating changes, communicate any downgrades.
·  Prepare credit actions to update risk ratings.
·  Support Underwriters in summarizing key credit factors in requests for lending proposals.
·  Assist in compiling and verifying data for portfolio reviews.
·  Assist in compiling research for ad hoc projects (for example, credit impact of natural disasters).
·  Test borrowers’ compliance with financial covenants when applicable


Basic Qualifications:


· Bachelor’s degree or military experience


Preferred Qualifications:


· At least 2 years of experience in municipal finance at rating agency, bond insurer, or buy or sell- side firm.
· Experience with creating financial spreads to complete risk analysis
· Completed Credit Training
At this time, Capital One will not sponsor a new applicant for employment authorization for this position.


No agencies please. Capital One is an Equal Opportunity Employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex, race, color, age, national origin, religion, physical and mental disability, genetic information, marital status, sexual orientation, gender identity/assignment, citizenship, pregnancy or maternity, protected veteran status, or any other status prohibited by applicable national, federal, state or local law. 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.


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Capital 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).