Senior Director, Commercial Risk Review
About the role
Capital One’s Credit Review organization is a third line of defense function that provides an independent assessment of the Company’s credit quality, key and emerging risks, and credit process execution to the Risk Committee of the Board of Directors and other stakeholders. Commercial Credit Review is seeking a Senior Director who will lead a team of reviewers responsible for providing an independent assessment of assigned portfolios.
Responsibilities
Leading and coaching a team of senior credit reviewers in providing assurance coverage of individual portfolios within the Commercial Bank
Overseeing the comprehensive review and continuous monitoring execution of reviewable entities and key risk areas, including:
Analyzing portfolio composition to identify risks and provide an opinion on portfolio quality
Facilitating the identification of gaps in policy, processes, and risk rating models
Identifying key and emerging risks
Reviewing transactional testing to assess the appropriateness of client selection, quality of underwriting, effectiveness of borrower monitoring and accuracy of risk ratings
Providing supervisory oversight to Targeted Reviews
Overseeing the completion of quarterly Business Assessment Reports
Communicating results to executive level management, regulators and stakeholders
Building and maintaining effective working relationships across all three lines of defense
Acting as an approachable advisor to business heads and key lenders by developing continuous and effective communication channels for all stakeholders. Providing business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results.
Having a strategic voice for the overall Commercial Credit Review function
Part of the extended leadership team for the entire Credit Review organization
Supporting the development of the Credit Review Annual Plan and quarterly plans
Continuously reviewing and improving the credit review process, identifying opportunities to streamline existing operations and enhance efficiency
Ensuring the team follows Credit Review guidelines, policies and best practices
Conducting talent management, including completion of performance reviews, setting clear goals and development of team members
Requirements
Bachelor’s degree or military experience
At least 10 years of transactional credit experience in underwriting, workout, risk management, credit review or regulatory
Preferred Qualifications
Master’s degree
Certified Financial Analyst (CFA) OR Certified Public Accountant (CPA)
Ability to support conclusions through fact-based analysis and ability to influence senior leaders; strong written and verbal communication skills
Excellent credit analysis and financial analysis skills
Strong organizational skills
Ability to manage multiple complex tasks while delivering high quality results
Leadership experience and strong leadership skills
Demonstrated experience in identifying, assessing and reporting on existing and emerging risks
Experience with direction applicability to Credit Review responsibility