Senior Credit Analyst - Business Cards & Payments - Hybrid

Senior Credit Analyst - Business Cards & Payments - Hybrid

This role is a full-time associate position. Participation in the program requires that you are located in the continental United States with in-person attendance at your assigned location, in accordance with Capital One's hybrid working model. Position Location: Richmond, VA or McLean, VA (Only).

About Business Cards & Payments (BC&P): Build the Future: At BC&P, we bring a builder's mindset to work, just like the business owners we serve. Small businesses are a different kind of customer. They're the people turning ideas into opportunities, and opportunities into livelihoods. When we build for them, we build something bigger. That's why we have a high bar for quality. We own the work end to end, turning today's insights into tomorrow's results, together.

We're relentlessly curious. We ask the hard questions. We make space for the best ideas to win. Because that's how we create impact we can be proud of.

We are seeking a proactive, highly analytical professional with strong quantitative judgment and robust communication skills to be accountable for a portfolio of credit line decisions up to $2MM. In this role, you will autonomously manage day-to-day credit evaluations, analyzing both business and personal financial conditions to assess creditworthiness and build comprehensive exposure recommendations. Driven by a high level of curiosity, you will evaluate complex financial statements, merchant spend, revenue sustainability, and overall risk profiles. You will actively collaborate with and present credit decisions to senior approvers, field sales teams, key internal partners, and directly to clients.

General Responsibilities:

• Autonomously and independently manage day-to-day workflow, making well-reasoned credit recommendations on cases up to $2MM exposure.
• Apply robust judgment and advanced analytical skills to evaluate business performance, revenues, profitability, cash flow, and sustainability against policy guardrails.
• Utilize a deep understanding of unsecured credit products, credit cards, and credit facilities to assess risk profiles and structure appropriate solutions.
• Conduct business interviews to understand client business models, sources of revenue, merchant spend, and future projections. Demonstrate exceptional service in all interactions with clients and internal partners.
• Prepare clear, concise analytical credit memos supporting decisions, identifying key credit risks, establishing mitigants, and articulating strong business rationale for any policy or procedural deviations.
• Proactively monitor portfolio performance to identify trends and ensure alignment with risk expectations.
• Adhere to all applicable regulations, policy guidelines, and expected execution standards.

An Ideal Candidate Would Possess:

• High level of intellectual curiosity with a drive to independently solve complex problems.
• Strong quantitative, analytical, and conceptual skills paired with sound business judgment.
• Exceptional interpersonal, verbal, and written communication skills with the ability to influence stakeholders at multiple levels.
• Demonstrated leadership traits, self-motivation, and a team-oriented mindset.

Basic Qualifications:

• Bachelor's Degree or Military experience
• At least 2 years of experience in credit underwriting, financial analysis, or commercial lending

Preferred Qualifications:

• 1+ years of experience holding credit granting authority such as: individual signing authority
• 3+ years of experience with underwriting credit products, business credit cards, or commercial credit facilities.

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

McLean, VA: $96,500 - $110,100 for Sr. Commercial Credit AnalystRichmond, VA: $87,700 - $100,100 for Sr. Commercial Credit Analyst

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate's offer letter.

This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

This role is expected to accept applications for a minimum of 5 business days. 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. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City's Fair Chance Act; Philadelphia's Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

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Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).