Senior Manager, Commercial Credit Review
About the role
Capital One’s Credit Review organization is a third line of defense function that is responsible for providing 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 Manager who will participate in and/or lead continuous testing and targeted review activities within assigned portfolios. The Senior Manager will contribute towards the execution of the annual Credit Review plan and work cross-functionally across Credit Review teams in the process. In particular, the Senior Manager will be vital in driving the independent oversight of Capital One's recent acquisition, Brex. This role involves contributing to the design and implementation of Credit Review's assurance framework tailored for Brex. Additionally, the associate will focus on establishing and maintaining strong collaborative relationships with Brex management and key stakeholders within Risk Management.
Responsibilities
- Completing transactional testing to assess the appropriateness of client selection, quality of underwriting, effectiveness of borrower monitoring and accuracy of risk ratings
- Analyzing portfolio composition to identify trends and risks and provide an opinion on portfolio quality
- Participating in or leading Targeted Reviews to assess key risks in a given portfolio or across portfolios
- Identifying gaps in credit policy, credit processes, and credit risk rating models
- Identifying key and emerging risks
- Effectively communicating results to executive level management, regulators and other key 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
- Ability to provide business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results
- May be asked to develop and execute against monitoring plans
- May be asked to assist in or lead the completion of quarterly Business Assessment Reports
- May be asked to lead special projects
Requirements
- Bachelor’s degree or military experience
- At least 8 years of direct transactional credit experience (underwriting, workout, risk management, credit review or regulatory)
At this time, Capital One will not sponsor a new candidate for employment authorization for this position.
Qualifications
- At least 5 years of experience with traditional cash flow and leveraged lending
- Master’s degree
- Certified Financial Analyst (CFA) OR Certified Public Accountant (CPA)