Senior Director, Commercial Credit Review

Capital One•McLean, VA

1d•$245,100 - $335,700

About The Position

Senior Director, Commercial Credit Review 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 Director who will lead a team of reviewers performing continuous testing and targeted review activities across assigned portfolios. The commercial portfolio includes, but is not limited to: Energy, Middle Market Banking, Commercial Real Estate, Healthcare, Financial Institutions, Municipal Finance, Counterparty Credit, Capital Markets, Leveraged Lending and Special Assets. The Senior Director will lead efforts towards the execution of the annual Credit Review plan and work cross-functionally across Credit Review teams in the process. This individual will also be responsible for building and maintaining working relationships with line of business management and key associates within Risk Management. Responsibilities: Leading and coaching a team of senior credit reviewers in providing assurance coverage of individual portfolios within the Commercial Bank Overseeing the comprehensive review and continuous monitoring execution of reviewable entities and key risk areas, including: Analysis of portfolio composition to identify trends and risks and provide an opinion on portfolio quality Facilitates the identification of gaps in policy, processes, and risk rating models Identifies key and emerging risks Reviewing transactional testing to assess the appropriateness of client selection, quality of underwriting, effectiveness of borrower monitoring and accuracy of risk ratings Providing supervisory oversight to Targeted Reviews to assess key risks in a given portfolio or across portfolios Oversees the completion of quarterly Business Assessment Reports Communicates results to executive level management, regulators and 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. Ability to provide business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results. Having a strategic voice for the overall Commercial Credit Review function Part of the extended leadership team for the entire Credit Review organization Supports in the development of the Credit Review Annual Plan and quarterly plans Continuously reviewing and improving the credit review process, identifying opportunities to streamline existing operations and enhance efficiency Ensuring the team follows Credit Review guidelines, policies and best practices Conducting talent management, including completion of performance reviews, setting clear goals and development of team members

Requirements

Bachelor’s degree or military experience
At least 10 years of transactional credit experience in underwriting, workout, risk management, credit review or regulatory

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

Leading and coaching a team of senior credit reviewers in providing assurance coverage of individual portfolios within the Commercial Bank
Overseeing the comprehensive review and continuous monitoring execution of reviewable entities and key risk areas, including: Analysis of portfolio composition to identify trends and risks and provide an opinion on portfolio quality
Facilitates the identification of gaps in policy, processes, and risk rating models
Identifies key and emerging risks
Reviewing transactional testing to assess the appropriateness of client selection, quality of underwriting, effectiveness of borrower monitoring and accuracy of risk ratings
Providing supervisory oversight to Targeted Reviews to assess key risks in a given portfolio or across portfolios
Oversees the completion of quarterly Business Assessment Reports
Communicates results to executive level management, regulators and 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.
Ability to provide business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results.
Having a strategic voice for the overall Commercial Credit Review function
Part of the extended leadership team for the entire Credit Review organization
Supports in the development of the Credit Review Annual Plan and quarterly plans
Continuously reviewing and improving the credit review process, identifying opportunities to streamline existing operations and enhance efficiency
Ensuring the team follows Credit Review guidelines, policies and best practices
Conducting talent management, including completion of performance reviews, setting clear goals and development of team members