Senior Manager, Commercial Credit Review

Senior Manager – Credit Review 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. This associate will also be responsible for building and maintaining working relationships with line of business management and key associates 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. Providing business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results. Developing and executing against monitoring plans (as assigned). Assisting in or leading the completion of quarterly Business Assessment Reports (as assigned). Leading special projects (as assigned). Basic Qualifications Bachelor’s degree or equivalent military experience. At least 5 years of experience with traditional cash flow and leveraged lending. At least 8 years of direct transactional credit experience (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 influence senior leaders. Strong written and verbal communication skills. Excellent credit 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 responsibilities. Ability to navigate across a large organization and work with cross‑functional teams. Compensation Minimum and maximum full‑time annual salaries by location: Charlotte, NC: $182,500 – $208,300 for Sr. Credit Review Manager Chicago, IL: $182,500 – $208,300 for Sr. Credit Review Manager McLean, VA: $200,700 – $229,100 for Sr. Credit Review Manager Plano, TX: $182,500 – $208,300 for Sr. Credit Review Manager Richmond, VA: $182,500 – $208,300 for Sr. Credit Review Manager Benefits Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well‑being. Eligibility varies based on full or part‑time status, exempt or non‑exempt status, and management level. No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non‑discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug‑free workplace. #J-18808-Ljbffr Capital One