Director | Small Business Bank Lending Operations

Capital One • Plano, TX

8d • $209,500 - $239,100 • Remote

About The Position

As the Director of Credit & Underwriting, you will lead the credit analysis and underwriting strategy across conventional, SBA, and CDFI lending programs. You will manage a high-performing team of credit analysts and underwriters to ensure sound credit decisions, exceptional portfolio quality, and alignment with established risk tolerance, while supporting targeted operational efficiencies and process modernization.

Requirements

• Bachelor’s Degree or Military experience
• At least 8 years of experience in Commercial and/or Small Business Credit Analysis and Underwriting
• At least 3 years of Direct People Management experience
• Prior experience holding formal Individual Lending Authority (ILA)
• Experience with loan origination systems (LOS) and credit automation workflow tools

Nice To Haves

• Master’s Degree or MBA
• 10+ years of Commercial and/or Small Business Credit Analysis and Underwriting experience
• 5+ years of Direct People Management experience
• Expertise in SBA (7(a) and 504) underwriting requirements and CDFI lending frameworks
• Completion of a formal bank credit training program

Responsibilities

• Lead the day-to-day credit analysis and underwriting operations across conventional lending, SBA, and CDFI/mission-driven loan portfolios.
• Exercise credit approval authority to evaluate, structure, and decision complex credit requests.
• Maintain and refine departmental procedures and business continuity plan
• Partner with the Credit Intent Team and the second line to refine credit policies, underwriting guidelines, and risk-rating methodologies across all product lines
• Monitor overall portfolio health, industry concentration risks, and credit trends to proactively address emerging risk factors.
• Serve as the primary point of contact for internal credit audits, SBA reviews, and regulatory examinations.
• Collaborate with sales, risk, compliance, legal, and special assets teams to ensure seamless deal execution and risk management alignment.
• Mentor and develop a team of credit analysts and underwriters, driving analytical rigor and technical excellence in cash flow modeling and collateral valuation.
• Identify practical opportunities to streamline underwriting workflows and leverage automation to optimize efficiency without compromising risk controls.

Benefits

• performance based incentive compensation
• cash bonus(es)
• long term incentives (LTI)
• comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being

What This Job Offers

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