Director | Small Business Bank Lending Operations

Director | Small Business Bank Lending Operations

As the Director of Credit & Underwriting, you will lead the credit analysis and underwriting strategy across conventional, SBA, and CDFI lending programs. You will manage a high-performing team of credit analysts and underwriters to ensure sound credit decisions, exceptional portfolio quality, and alignment with established risk tolerance, while supporting targeted operational efficiencies and process modernization.

• Lead the day-to-day credit analysis and underwriting operations across conventional lending, SBA, and CDFI/mission-driven loan portfolios.
• Exercise credit approval authority to evaluate, structure, and decision complex credit requests.
• Maintain and refine departmental procedures and business continuity plan.
• Partner with the Credit Intent Team and the second line to refine credit policies, underwriting guidelines, and risk-rating methodologies across all product lines.
• Monitor overall portfolio health, industry concentration risks, and credit trends to proactively address emerging risk factors.
• Serve as the primary point of contact for internal credit audits, SBA reviews, and regulatory examinations.
• Collaborate with sales, risk, compliance, legal, and special assets teams to ensure seamless deal execution and risk management alignment.
• Mentor and develop a team of credit analysts and underwriters, driving analytical rigor and technical excellence in cash flow modeling and collateral valuation.
• Identify practical opportunities to streamline underwriting workflows and leverage automation to optimize efficiency without compromising risk controls.

• Analytical & Rigorous:
  You delve deep into complex financial data, tax returns, and cash flow structures. You maintain an unyielding standard for credit quality and base decisions on sound risk evidence.
• Discerning & Deliberative:
  You evaluate complex credit requests methodically, balancing growth objectives with policy discipline to steer the portfolio away from unmitigated risk.
• Action-Oriented & Results-Driven:
  You exercise credit authority decisively, keep underwriting pipelines moving efficiently, and balance multiple priorities under tight timelines.
• Up for a Challenge:
  You enjoy navigating complex loan structures across diverse product lines—from strict SBA requirements to mission-aligned CDFI frameworks.
• Communicative & Influential:
  You articulate credit decisions and risk rationale clearly to senior leadership, commercial lenders, auditors, and regulatory bodies.
• Collaborative & Team-Oriented:
  You partner effectively with cross-functional teams and invest in upskilling your team to build high-level credit expertise.

• Bachelor’s Degree or Military experience
• At least 8 years of experience in Commercial and/or Small Business Credit Analysis and Underwriting
• At least 3 years of Direct People Management experience
• Prior experience holding formal Individual Lending Authority (ILA)
• Experience with loan origination systems (LOS) and credit automation workflow tools

• Master’s Degree or MBA
• 10+ years of Commercial and/or Small Business Credit Analysis and Underwriting experience
• 5+ years of Direct People Management experience
• Expertise in SBA (7(a) and 504) underwriting requirements and CDFI lending frameworks
• Completion of a formal bank credit training program
• At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

• Richmond, VA: $209,500 - $239,100 for Director, Small Business Banking Workout
• Plano, TX: $209,500 - $239,100 for Director, Small Business Banking Workout

This role is also eligible to earn performance based incentive compensation, which may include…