Insurance Risk - Senior Associate

About the role

Capital One’s Agency Finance Team is seeking an organized, proactive, and adaptable Insurance Operations - Senior Associate to join our team. This role is essential to managing core operational workflows, ensuring loan compliance, and maintaining seamless insurance coverage and escrow servicing across our commercial real estate portfolio. The ideal candidate brings foundational knowledge in commercial insurance or mortgage servicing, pairs strong critical thinking with acute attention to detail, and thrives in a collaborative environment where cross-training and flexibility are highly valued.

Responsibilities

• Collect and review insurance certificates and proof of payment to update servicing systems; identify coverage lapses, remediate cancellation notices, and escalate files for lender placement as needed.
• Perform detailed escrow reviews to ensure accurate records reconcile with premiums paid, collect and process premium invoices and reimbursements, and coordinate with multiple internal stakeholders to process payments and confirm escrow accuracy.
• Monitor securitization workflows and maintain accurate, up-to-date records across multiple internal and external software systems.
• Maintain the group mailbox, communicate basic insurance requirements to borrowers and agents, and evaluate vendor escalations to determine appropriate next steps.
• Compile, organize, and validate required documentation for internal and external audit reviews.
• Proactively identify opportunities to streamline workflows, increase internal controls, and improve departmental efficiency.

Requirements

High School Diploma, GED or equivalent certification; at least 2 years of Commercial Banking or Loan Operations experience.

Capital One will not sponsor a new applicant for employment authorization for this position.

Qualifications

• Bachelor’s Degree or Military Experience
• 4+ years of Commercial Bank Operations, Loan Servicing, Risk, Compliance or Government Sponsored Entities (GSE) experience
• 4+ years of experience working with Fannie Mae or Freddie Mac (GSE) Multifamily Loans

Skills

• Analytical Rigor: ability to assess risk beyond a basic checklist, understanding the "why" behind processes and workflow, to evaluate broader impacts.
• Operational Flexibility: flex to cover multiple positions within the group as operational demands shift, demonstrating a strong aptitude to learn new subject areas quickly.
• Exceptional Communication: strong professional correspondence skills and the ability to write technical justifications that are clear, persuasive, and concise.
• Accountability: proven track record of working independently, managing a high‑volume, and meeting deadlines.

Benefits

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well‑being. Learn more at the Capital One Careers website. Eligibility varies based on full or part‑time status, exempt or non‑exempt status, and management level. 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.

Pay

Charlotte, NC: $80,800 – $