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,