Capital One Small Business Lending Operations - Special Assets 

United States, Texas, Plano 

43826188

General Responsibilities:

• Responsible for managing and workout of a portfolio of SBB criticized loans.

• Evaluates the financial information collected, collateral pledged, and assets of a customer or guarantor to determine the appropriate workout strategy that will allow for collection of the maximum amount over the shortest period of time for the bank while controlling expenses.

• Interacting with external customers on a regular basis while delivering effective communication.

• Lead comprehensive workout strategy to ensure optimal loss protection to the Bank in terms of both time and money, while maintaining compliance with regulatory requirements.

• Recommends compromises of all debts being settled to insure that optimal collections are obtained.

• Daily control of overdrafts on deposit accounts related to portfolio. Performs daily administration of banking relationship and customer services issues.

• Consults with both internal and external legal counsel regarding perfection of collateral as well as necessary legal actions and strategies to protect Bank's position.

• Negotiates loan and collateral documentation with third party counsel in conjunction with Lending Law.

• Analyzes third party legal documents and negotiates potential arrangements to determine an overall strategy to reduce the Bank’s loss exposure.

• Documents status of relationship in compliance with existing policies.

• Additional responsibilities as assigned by the Special Assets Section Manager.

This person will:

• Be skilled in gaining confidence and building trusting relationships with credit officers

• Evaluate financial information, collateral, legal documentation and other available information to project probable and maximum loss exposure to the bank

• Participate in a culture of sharing lessons learned within Special Assets and back to the origination functions

• Exhibit strong written and verbal communication competencies and display financial analytical skills

• Have excellent communication and partnership skills which are essential for interacting and communicating with key stakeholders at all levels across the company to manage, inform and influence outcomes

Basic Qualifications

• At least 2 years of experience in Commercial Lending or Small Business Lending

• At least 2 years of experience in Credit Analysis

• At least 2 years of experience in managing Distressed Loans

Preferred Qualifications

• Bachelor's Degree

• At least 5 years of experience in Commercial Lending or Small Business Lending

• At least 2 years of experience in litigation processes under county, state and federal systems

This role is hybrid meaning associates spend 3 days per week in-person at one of our offices listed on this job posting. Fridays are enterprise- wide virtual work days. Monday, Tuesday, Wednesday and Thursday are in-person days for associates to spend time together working in our beautifully-designed team areas.

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.