Responsibilities:
- Execute the Commercial Credit Review function by:
- Developing and executing a risk-based review plan for credit exposures in a line(s) of business, including individual deal sampling and testing
- Reviewing individual credit files to assess overall credit process and accuracy of risk rating (PD) and Loss Given Default (LGD)
- Analyzing portfolio composition to identify trends and provide opinion on portfolio quality
- Identifying credit process weaknesses
- Identifying gaps in credit policy and credit risk rating models
- Identification, aggregation and tracking of issues to resolution
- Communication of Credit Review assurance results with exceptional verbal and written communication skills, demonstrating strong clear thinking and succinct delivery of message
- Contributions to innovation projects and department initiatives as a Credit Review process SME
- Report results and issues verbally and in writing to executive management and internal credit and risk senior executives
- Work with bank regulators and external auditors to provide assurance that commercial Credit Review processes are sound
- Build and maintain high trust relationships with senior credit risk management, senior lending associates, and regulators
- Act 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.-Ability to travel 10% of the time
Basic Qualifications:
- Bachelor’s degree or military experience
- At least 7 years of experience in credit risk management, corporate credit analysis or commercial credit review assurance
- At least 3 years of experience working with executive leadership or regulators
Preferred Qualifications:
- Master’s degree
- CFA or CPA
- 4+ years of experience evaluating complex structured leveraged lending loans in an underwriting, portfolio management or credit review assurance role
- At least 2 years of experience evaluating commercial banking credit risks in a regulatory role (e.g. OCC, Federal Reserve)
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.
. 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.