Senior Manager, Commercial Credit Review

Capital One • McLean, VA

10d

About The Position

Senior Manager, 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 Manager who will participate in and/or lead continuous testing and targeted review activities within assigned portfolios. The commercial portfolio includes, but is not limited to, Middle Market Banking, Commercial Real Estate, Healthcare, Financial Institutions, Municipal Finance, Energy, 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. Primary responsibilities include: 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. Ability to provide business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results. 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

Requirements

• Bachelor’s degree or Military experience
• At least 8 years of direct transactional credit experience (underwriting, workout, risk management, credit review or regulatory)

Nice To Haves

• Prior experience with Commercial Real Estate lending, including Structured Finance, Unitranche, and Debt Fund products
• 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
• Ability to provide business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results
• 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

Benefits

• Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website .
• This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.

What This Job Offers

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