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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.
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