Sr. Closing Associate

Sr. Closing Associate Are you looking for a challenging role that includes the convenience of working virtually at home? Then a Capital One Commercial Operations role may be the role for you! You must be within 50 miles driving distance from one of our Capital One hub locations in Plano, TX; Richmond, VA; or Charlotte, NC. Job Summary Capital One Commercial Client Operations (CCO) is looking for candidates to support the growing Commercial Loan Operations Closing Team. The team supports day‑to‑day operations of loans pertaining to unique or niche industries that require special handling and industry knowledge. The primary function is loan closing and funding within the various lines of business that comprise Middle Market and Municipal Banking. Responsibilities Serve as primary contact and decision maker for all aspects of the corporate loan closing process. Review complex loan documents, drive deal closing calls that include internal and external deal team members and counsel. Ensure legal documentation accurately reflects the intentions of the credit approval. Ensure transactions are closed in compliance with the Bank’s loan policy and any other requirements designated by the credit approval. Work with Relationship Manager/Underwriter to understand the transaction and make sure that all relevant documentation is obtained for a timely closing. Liaise and coordinate pre-closing requirements with internal and external clients (Underwriter, Relationship Manager, Borrowers, Agent Banks). Analyze credit agreements, calculate loan/fee accruals, and perform ongoing reconciliation and remediation. Perform process quality reviews of work such as cash break analysis and comprehensive testing of system enhancements. Book and fund new loans and related activities in the loan accounting system. Monitor and clear loan exceptions; respond to audit requests. Prepare and submit periodic departmental, team, and metric reports. Resolve issues that might impede closing and use judgment to involve the manager and internal counsel when required. Complete post‑closing steps to ensure that all necessary documentation is received by downstream partners. Develop, design, and follow inter‑departmental controls and risk‑reducing processes. Effectively problem solve and influence strategic initiatives. Positively accept and champion change, and engage productively with the team and relevant stakeholders. Demonstrate ability to balance required regulatory and policy requirements when making decisions. Remain current on all pending and proposed regulatory changes affecting compliance. Ensure Know Your Customer (KYC) requirements have been met prior to closing a transaction. Maintain accuracy and customer satisfaction as the singular priority. Work from Home Technology Requirements A secure home office environment that is free from background noise and distractions. A reliable private internet connection that is provided via cable or fiber (not hotspot or cellular data). Private network that is password‑protected and under the associate’s ownership or line of sight to every device. Both hardwire and WiFi connections are acceptable if speed and security requirements are met. Requirements for minimum download speed: 5 Mbps, with 10 Mbps preferred. Capital One reserves the right to request proof of internet provider and speed; requirements may change with notice. Work from Home Living Requirements Candidates must live within approximately 50 miles of one of the hub locations based in 75024, 23238 or 28203 and be comfortable coming in person whenever required with no less than 24 hours notice. Basic Qualifications High School Diploma, GED or equivalent certification. At least 2 years of Loan Closing or Loan Servicing experience in Commercial or Business Banking. Preferred Qualifications Bachelor’s Degree or Military experience. 3+ years of Commercial Loan Closing or Commercial Loan Servicing experience. 3+ years of Loan Syndication (agent or participant) experience. 1+ years of experience with ACBS. Employment Authorization At this time, Capital One will not sponsor a new applicant for employment authorization for this position. Salary and Compensation Charlotte, NC: $80,800 - $92,200 Plano, TX: $80,800 - $92,200 Richmond, VA: $80,800 - $92,200 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. Benefits Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well‑being. Equal Opportunity Employer 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 applicable laws regarding criminal background inquiries. Accommodation and Contact Information If you require accommodations for your application process, please contact Capital One Recruiting at View phone number on click.appcast.io or via email at View email address on click.appcast.io. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. For technical support or questions about the recruiting process, please send an email to View email address on click.appcast.io. Legal Disclaimer Capital One does not provide, endorse nor guarantee and is not liable for third‑party products, services, educational tools or other information available through this site. Capital One Financial is made up of several different entities. Please note that the position posted here is for Capital One United States. #J-18808-Ljbffr Capital One National Association