Senior Manager, Commercial Credit Review

Senior Manager, Commercial Credit Review

Capital One’s Credit Review organization is a third line of defense function that provides an independent assessment of the Company’s credit quality, key and emerging risks, and credit process execution. The Commercial Credit Review team is seeking a Senior Manager to lead continuous testing and targeted review activities within assigned portfolios, support the annual Credit Review plan, and collaborate cross‑functionally across Credit Review teams.

• Complete transactional testing to assess the appropriateness of client selection, quality of underwriting, effectiveness of borrower monitoring, and accuracy of risk ratings.
• Analyze portfolio composition to identify trends and risks and provide an opinion on portfolio quality.
• Participate in or lead Targeted Reviews to assess key risks in specific or multiple portfolios.
• Identify gaps in credit policy, credit processes, and credit risk rating models.
• Identify key and emerging risks.
• Effectively communicate results to executive‑level management, regulators, and other key stakeholders.
• Build and maintain effective working relationships across all three lines of defense.
• Act as an approachable advisor to business heads and key lenders by developing continuous and effective communication channels for all stakeholders.
• Provide business leadership and partnering skills to help drive the organization toward critical decisions and deliverable results.
• Develop and execute monitoring plans.
• Assist in or lead the completion of quarterly Business Assessment Reports.
• Lead special projects.

• Bachelor’s degree or 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).

• 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 analysis 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.

Salary ranges by location:

• Charlotte, NC: $182,500 – $208,300
• Chicago, IL: $182,500 – $208,300
• McLean, VA: $200,700 – $229,100
• New York, NY: $219,000 – $249,900
• Plano, TX: $182,500 – $208,300
• Richmond, VA: $182,500 – $208,300

This role is also eligible to earn performance‑based incentive compensation, which may include cash bonuses and/or long‑term incentives. Capital One offers a comprehensive, competitive, and inclusive set of health, financial, and other benefits that support total well‑being.

Capital One is an equal opportunity employer (EOE, including disability/veteran) committed to non‑discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug‑free workplace.