Commercial Credit Review, Sr. Manager

Capital One•Plano, TX

About The Position

Commercial Credit Review, Sr. Manager Capital One’s Credit Review organization is a third line of defense function that is responsible for providing an independent assessment of the Company’s credit quality, key and emerging risks, and credit process execution to the Risk Committee of the Board of Directors and other stakeholders. Commercial Credit Review is seeking a Senior Manager who will participate in and/or lead continuous testing and targeted review activities within assigned portfolios. The role will be primarily focused on providing assurance coverage of Energy lending (oil and gas and/or renewables). Experience in these sectors is required, given the specialized nature of these exposures. Energy is one of the Bank’s commercial portfolios, which includes, but is not limited to: Middle Market Banking, Commercial Real Estate, Healthcare, Financial Institutions, Municipal Finance, Counterparty Credit, Capital Markets, Leveraged Lending and Special Assets. The Senior Manager will contribute towards the execution of the annual Credit Review plan and work cross-functionally across Credit Review teams in the process. This associate will also be responsible for building and maintaining working relationships with line of business management and key associates within Risk Management. Ability to provide business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results.

Requirements

Bachelor’s degree or Military experience
At least 8 years of direct transactional credit experience (underwriting, workout, risk management, credit review or regulatory)
At least 5 years of experience with energy lending, including oil and gas or renewable energy

Nice To Haves

Master’s degree
Certified Financial Analyst (CFA) OR Certified Public Accountant (CPA)
Ability to support conclusions through fact-based analysis and ability to influence senior leaders
Strong written and verbal communication skills
Excellent credit analysis and financial analysis skills
Strong organizational skills
Ability to manage multiple complex tasks while delivering high quality results
Leadership experience and strong leadership skills
Demonstrated experience in identifying, assessing and reporting on existing and emerging risks
Experience with direction applicability to Credit Review responsibility
Ability to navigate across a large organization and work with cross-functional teams

Responsibilities

Completing transactional testing to assess the appropriateness of client selection, quality of underwriting, effectiveness of borrower monitoring and accuracy of risk ratings
Analyzing portfolio composition to identify trends and risks and provide an opinion on portfolio quality
Participating in or leading Targeted Reviews to assess key risks in a given portfolio or across portfolios
Identifying gaps in credit policy, credit processes, and credit risk rating models
Identifying key and emerging risks
Effectively communicating results to executive level management, regulators and other key stakeholders
Building and maintaining effective working relationships across all three lines of defense
Acting as an approachable advisor to business heads and key lenders by developing continuous and effective communication channels for all stakeholders.
May be asked to develop and execute against monitoring plans
May be asked to assist in or lead the completion of quarterly Business Assessment Reports
May be asked to lead special projects