Senior Business Analyst

About Us

Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. It is a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. The bank offers commercial and consumer banking services to clients primarily in Maryland, DC, and Northern Virginia, alongside two nationwide lending brands:
Capital Bank Home Loans and Open Sky, a credit card division that serves customers across all states. Capital Bank values a personalized approach to banking, paired with cutting‑edge technology solutions and a comprehensive suite of products and services.

As a Senior Business Analyst within Open Sky, you will leverage advanced analytics and strategic thinking to solve challenging business problems. You will develop lending strategies, inform credit policies, and provide data‑backed recommendations that positively impact customers and financial performance. Prior experience with credit analytics and consumer lending is required.

• Perform credit analysis using advanced analytics in SQL and/or Python.
• Analyze and optimize lending strategies, including approve/decline policy and credit line assignment.
• Develop recommendations on credit strategies based on performance analysis, resiliency testing, and business judgment.
• Present data‑backed recommendations to leadership.
• Build or leverage valuation models to inform credit policy recommendations.
• Establish testing and monitoring plans.
• Proactively monitor credit risk and performance, identifying when policy adjustments are needed.
• Partner with cross‑functional teams to implement strategies.

• 1–5 years of experience in advanced analytics, including developing credit policies.
• Bachelor’s degree in a quantitative field such as Statistics, Data Science, Engineering, Economics, Finance, or Business.
• Prior experience with credit analytics and consumer lending is a must.

• Exceptional results‑focus and relentless persistence in solving problems.
• Proven track record of decision making and problem solving based on analytics.
• Exceptional critical thinking skills with attention to detail.
• High proficiency with tools such as Python and SQL.
• Successful track record of thriving in a fast‑paced environment.
• Proven ability to clearly and effectively communicate complex analytical insights to both technical and non‑technical audiences.

• Base Salary Range
  : $110k – $130k annually / hourly (final determination based on experience, location and other factors).
• Additional Compensation
  :
  Yearly target bonus based on individual performance.

• Full‑time hybrid role.

• Company‑sponsored 401(k) contributions regardless of employee contribution.
• Comprehensive benefits package including medical, dental, vision, life insurance, and disability insurance.
• Paid parental leave, employee recognition program, leadership development, tuition reimbursement, and employee bank checking account.
• Generous paid time off, holidays, and paid charity hours.

Capital Bank, N.A. is an E‑Verify, affirmative action, and equal‑opportunity employer.