Credit Analyst - Spring/Summer 2027 - Business Cards & Payments - Hybrid

Capital One • McLean, VA

3d • Hybrid

About The Position

This role is a full-time associate position within the Business Cards & Payments (BC&P) division. BC&P focuses on serving small businesses, bringing a builder's mindset to work. The team is seeking a motivated, fast learner with good quantitative, analytical, and communication skills to be accountable for a portfolio of credit line decisions up to $1M exposure. In this role, you will have primary accountability for analyzing business and personal financial conditions to evaluate credit worthiness and prepare detailed recommendations for exposure decisions. You will assess financial statements and additional data to understand revenues, profitability, cashflow, sustainability, and overall risks. You will present your decisions to senior approvers, to field sales, partners, and directly to clients.

Requirements

• Currently has, or is in the process of obtaining, a Bachelor’s degree or higher with an expectation that you will complete your most recent full-time degree program by May 2027 or earlier.
• Strong quantitative, analytical, problem solving, conceptual skills, and team-oriented traits
• Exceptional interpersonal, verbal communication, and writing skills
• Must be located in the continental United States with in-person attendance at your assigned location, in accordance with Capital One’s hybrid working model.

Nice To Haves

• Basic understanding of financial statements and additional data to understand revenues, profitability, cashflow, sustainability, and overall risks.

Responsibilities

• Make credit recommendations on cases up to $1M exposure
• Assess business financial performance against policy guardrails
• Conduct business interviews to understand client business model, sources of revenue, merchant spend, future projections, market competitiveness, and industry risks
• Prepare clear, concise analysis supporting credit memos that recommend decisions and address rationale for any deviations from credit policy, procedures and guidelines
• Identify and mitigate key credit risks
• Request additional business and personal information to address key identified risks
• Demonstrate exceptional service in all interactions with clients and partners
• Monitor portfolio performance to identify trends and alignment to expectations
• Adhere to all applicable regulations and the expected execution standards

Benefits

• Comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being.
• Performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI).

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level