Capital One Senior Associate - Sr Commercial Credit Analyst 

United States, Texas, Plano 

670172113

Plano 3 (31063), United States of America, Plano, Texas Senior Associate - Sr. Commercial Credit Analyst

Responsibilities:

• Participate in origination and ongoing portfolio management of commercial card credit facilities as a key member of deal teams.

• Perform due diligence on corporate borrowers’ creditworthiness and ability to meet financial obligations. This includes analysis of bank statements, credit card processing statements, tax returns and/or financial statements (balance sheet, income statements, cash flow statements).

• Create risk ratings with due consideration of key risks and inputs. Understand methodologies and levers behind risk ratings across a diverse range of corporate structures and industry frameworks

• With training, apply pricing considerations, deal economics, and resilience factors to overall credit decisions.

• Understand and support compliance with AML, KYC and all other applicable regulatory requirements, for each deal.

• Where applicable, make recommendations to optimize underwriting/portfolio management processes (examples: document collection, analysis automation)

• Support Underwriting leaders with reporting, quality control or other ad-hoc projects as needed.

• Escalate potential credit concerns to management immediately.
  

Culture and Horizontal Contributions:

• Contribute to the Commercial Card team culture, as part of the Business Cards & Payments organization by engaging in team-building activities

• Demonstrate a genuine desire to collaborate with all team members.

• Demonstrate a willingness to learn. Including asking a question to clarify and learn concepts.

Basic Qualifications:

• Bachelor’s degree or military experience

Preferred Qualifications:

• Bachelor’s degree with Major in Accounting, Finance, Mathematics, or Economics

• At least 9 credit hours in Accounting

• Basic understanding of financial statements

• Customer Facing Banking Experience

• Strong analytical, verbal and interpersonal skills

. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.