Senior Director, Commercial Credit Review

Senior Director, Commercial Credit Review

Capital One’s Credit Review organization is a third line of defense function that is responsible for providing an independent assessment of the Company’s credit quality, key and emerging risks, and credit process execution to the Risk Committee of the Board of Directors and other stakeholders.

Commercial Credit Review is seeking a Senior Director who will lead a team of reviewers performing continuous testing and targeted review activities across assigned portfolios. The commercial portfolio includes, but is not limited to:
Energy, Middle Market Banking, Commercial Real Estate, Healthcare, Financial Institutions, Municipal Finance, Counter party Credit, Capital Markets, Leveraged Lending and Special Assets. The Senior Director will lead efforts towards the execution of the annual Credit Review plan and work cross-functionally across Credit Review teams in the process. This individual will also be responsible for building and maintaining working relationships with line of business management and key associates within Risk Management.

Responsibilities:

• Leading and coaching a team of senior credit reviewers in providing assurance coverage of individual portfolios within the Commercial Bank

• Overseeing the comprehensive review and continuous monitoring execution of reviewable entities and key risk areas, including:

• Analysis of portfolio composition to identify trends and risks and provide an opinion on portfolio quality

• Facilitates the identification of gaps in policy, processes, and risk rating models

• Identifies key and emerging risks

• Reviewing transactional testing to assess the appropriateness of client selection, quality of underwriting, effectiveness of borrower monitoring and accuracy of risk ratings

• Providing supervisory oversight to Targeted Reviews to assess key risks in a given portfolio or across portfolios

• Oversees the completion of quarterly Business Assessment Reports

• Communicates results to executive level management, regulators and stakeholders

• Building and maintaining effective working relationships across all three lines of defense

• Acting as an approachable advisor to business heads and key lenders by developing continuous and effective communication channels for all stakeholders.

• Ability to provide business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results.

• Having a strategic voice for the overall Commercial Credit Review function

• Part of the extended leadership team for the entire Credit Review organization

• Supports in the development of the Credit Review Annual Plan and quarterly plans

• Continuously reviewing and improving the credit review process, identifying opportunities to streamline existing operations and enhance efficiency

• Ensuring the team follows Credit Review guidelines, policies and best practices

• Conducting talent management, including completion of performance reviews, setting clear goals and development of team members

Basic Qualifications:

• Bachelor’s degree or military experience

• At least 10 years of transactional credit experience in underwriting, workout, risk management, credit review or regulatory

Preferred Qualifications:

• Master’s degree

• Certified Financial Analyst (CFA) OR Certified Public Accountant (CPA)

• Ability to support conclusions through fact-based analysis and ability to 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 responsibility

• Ability to navigate across a large organization and work with cross-functional teams

At this time, Capital One will not sponsor a new candidate 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…