Senior Manager, Commercial Credit Review

Capital One • Plano, TX

109d • $175,500 - $240,300

About The Position

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 multiple Senior Managers 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.

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

• Master's Degree
• Certified Financial Analyst (CFA) OR Certified Public Accountant (CPA)

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
• Providing business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results
• Developing and executing against monitoring plans
• Assisting in or leading the completion of quarterly Business Assessment Reports
• Leading special projects

Benefits

• Comprehensive health benefits
• Financial benefits including performance-based incentive compensation
• Inclusive set of other benefits that support total well-being

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree