Senior Manager, Commercial Credit Review

Overview

The Senior Manager, Commercial Credit Review role is part of Capital One’s Credit Review organization, which serves as a third line of defense for credit quality, key, and emerging risks. The role focuses on participating in and/or leading continuous testing and targeted review activities within assigned portfolios, particularly in the context of recent acquisitions like Brex.

Primary 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.

Qualifications

• Bachelor’s degree or military experience.
• At least 8 years of direct transactional credit experience (underwriting, workout, risk management, credit review or regulatory).
• 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).
• 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.
• Ability to navigate across a large organization and work with cross-functional teams.