Credit Analyst - Spring/Summer 2027 - Business Cards & Payments - Hybrid

Credit Analyst - Spring/Summer 2027 - Business Cards & Payments - Hybrid

Credit Analyst - Spring/Summer 2027 - Business Cards & Payments - Hybrid

Key Role Details

• Full-time new hires for this role will start as a cohort in April or July 2027 depending on the graduation date.

• 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 motivated, fast learner with good quantitative, analytical, and communication skills to be accountable for a portfolio of credit line decisions up to $1M exposure. In this role, you will have primary accountability for analyzing business and personal financial conditions to evaluate credit worthiness and prepare detailed recommendations for exposure decisions. You will assess financial statements and additional data to understand revenues, profitability, cashflow, sustainability, and overall risks. You will present your decisions to senior approvers, to field sales, partners, and directly to clients.

General Responsibilities:

• Make credit recommendations on cases up to $1M exposure

• Assess business financial performance against policy guardrails

• Exceptional interpersonal, verbal communication, and writing skills

• Conduct business interviews to understand client business model, sources of revenue, merchant spend, future projections, market competitiveness, and industry risks

• Prepare clear, concise analysis supporting credit memos that recommend decisions and address rationale for any deviations from credit policy, procedures and guidelines

• Identify and mitigate key credit risks

• Request additional business and personal information to address key identified risks

• Demonstrate exceptional service in all interactions with clients and partners

• Monitor portfolio performance to identify trends and alignment to expectations

• Adhere to all applicable regulations and the expected execution standards

An ideal candidate would possess:

• Strong quantitative, analytical, problem solving, conceptual skills, and team-oriented traits

Basic Qualifications:

• Currently has, or is in the process of obtaining, a Bachelor’s degree or higher with an expectation that you will complete your most recent full-time degree program by May 2027 or earlier.

At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

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: $81,700 - $93,300 for Commercial Credit AnalystRichmond, VA: $74,200 - $84,700 for 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).