Capital One Senior Director Commercial Credit Officer 

United States, Virginia, Richmond 

281043947

Senior Director, Senior Commercial Credit Officer

Responsibilities:

• Responsible for oversight of judgmental underwriting in Capital One’s Small Business Bank Lending and Business Card and Payment (BC&P) portfolios

• Evaluates individual loan proposals for potential approval, assessing the credit risks, portfolio implications, risk rating, policy compliance, and loan structures

• Approves or declines the highest dollar, individual credits in small business. Also provides consultation on lower dollar credits approved in the line of business

• Determines materiality of, and provides approval for, amendments to credits or extensions of exceptions on credits

• Monitors portfolios and analyzes market data to identify trends and conduct forward-looking analysis to mitigate risks

• Provides input on changes to corporate credit policy and ensures compliance with credit policy in judgmental lending

• Performs review and challenge of judgmental lending practices in the business, and consults on risk mitigation and opportunities for improvement

• Provides feedback to assist in the development of individual underwriters

• Manages the efforts of two Commercial Credit Officers

Core competencies for the ideal candidate include:

• Ability to identify risk and suggest appropriate mitigants in large-dollar small business credit transactions

• Excellent verbal and written communication skills, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal relationships, and negotiation skills

• Highly collaborative orientation and strong team player who places the best interests of the organization above personal objectives

• Learning agility and critical thinking, with a keen ability to identify risk trends and a hunger for continuous learning in a challenging market environment

• Ability to establish credibility and trust at all levels of the organization

• Aptitude for synthesizing complex issues into a clear and concise summary

• Independent, driven, proactive and results-oriented

Basic Qualifications:

• Bachelor's degree or military experience

• At least 8 years of experience in commercial underwriting or small business underwriting

Preferred Qualifications:

• Bachelor's degree in accounting or finance

• At least 10 years of experience in commercial underwriting or small business underwriting

• Experience managing portfolio level credit risks, especially performing 2nd line review and challenge of small business credit

• At least 2 years of people management experience

Chicago, IL: $240,300 - $274,300 for Sr. Director, Comml Credit Officer McLean, VA: $264,300 - $301,700 for Sr. Director, Comml Credit Officer Richmond, VA: $240,300 - $274,300 for Sr. Director, Comml Credit OfficerThis 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.