Commercial Credit Review, Sr. Manager
NaSPA, Inc., Plano, TX, United States
Commercial Credit Review, Sr. Manager
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 Manager who will participate in and/or lead continuous testing and targeted review activities within assigned portfolios. The role will be primarily focused on providing assurance coverage of Energy lending (oil and gas and/or renewables). Experience in these sectors is required, given the specialized nature of these exposures. Energy is one of the Bank's commercial portfolios, which includes, but is not limited to: Middle Market Banking, Commercial Real Estate, Healthcare, Financial Institutions, Municipal Finance, Counterparty Credit, Capital Markets, Leveraged Lending and Special Assets. The Senior Manager will contribute towards the execution of the annual Credit Review plan and work cross‑functionally across Credit Review teams in the process. This associate will also be responsible for building and maintaining working relationships with line of business management and key associates within Risk Management.
Primary responsibilities
Completing transactional testing to assess the appropriateness of client selection, quality of underwriting, effectiveness of borrower monitoring and accuracy of risk ratings
Analyzing portfolio composition to identify trends and risks and provide an opinion on portfolio quality
Participating in or leading Targeted Reviews to assess key risks in a given portfolio or across portfolios
Identifying gaps in credit policy, credit processes, and credit risk rating models
Identifying key and emerging risks
Effectively communicating results to executive level management, regulators and other key 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.
May be asked to develop and execute against monitoring plans
May be asked to assist in or lead the completion of quarterly Business Assessment Reports
May be asked to lead special projects
Basic Qualifications
Bachelor's degree or Military experience
At least 8 years of direct transactional credit experience (underwriting, workout, risk management, credit review or regulatory)
At least 5 years of experience with energy lending, including oil and gas or renewable energy
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 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.
Charlotte, NC: $182,500 - $208,300 for Sr. Credit Review Manager
McLean, VA: $200,700 - $229,100 for Sr. Credit Review Manager
New York, NY: $219,000 - $249,900 for Sr. Credit Review Manager
Plano, TX: $182,500 - $208,300 for Sr. Credit Review Manager
Richmond, VA: $182,500 - $208,300 for Sr. Credit Review Manager
This role is 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.
Equal Opportunity 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.
For accommodations, please contact Capital One Recruiting at 1‑800‑304‑9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and used only to the extent required to provide needed reasonable accommodations.
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Commercial Credit Review is seeking a Senior Manager who will participate in and/or lead continuous testing and targeted review activities within assigned portfolios. The role will be primarily focused on providing assurance coverage of Energy lending (oil and gas and/or renewables). Experience in these sectors is required, given the specialized nature of these exposures. Energy is one of the Bank's commercial portfolios, which includes, but is not limited to: Middle Market Banking, Commercial Real Estate, Healthcare, Financial Institutions, Municipal Finance, Counterparty Credit, Capital Markets, Leveraged Lending and Special Assets. The Senior Manager will contribute towards the execution of the annual Credit Review plan and work cross‑functionally across Credit Review teams in the process. This associate will also be responsible for building and maintaining working relationships with line of business management and key associates within Risk Management.
Primary responsibilities
Completing transactional testing to assess the appropriateness of client selection, quality of underwriting, effectiveness of borrower monitoring and accuracy of risk ratings
Analyzing portfolio composition to identify trends and risks and provide an opinion on portfolio quality
Participating in or leading Targeted Reviews to assess key risks in a given portfolio or across portfolios
Identifying gaps in credit policy, credit processes, and credit risk rating models
Identifying key and emerging risks
Effectively communicating results to executive level management, regulators and other key 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.
May be asked to develop and execute against monitoring plans
May be asked to assist in or lead the completion of quarterly Business Assessment Reports
May be asked to lead special projects
Basic Qualifications
Bachelor's degree or Military experience
At least 8 years of direct transactional credit experience (underwriting, workout, risk management, credit review or regulatory)
At least 5 years of experience with energy lending, including oil and gas or renewable energy
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 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.
Charlotte, NC: $182,500 - $208,300 for Sr. Credit Review Manager
McLean, VA: $200,700 - $229,100 for Sr. Credit Review Manager
New York, NY: $219,000 - $249,900 for Sr. Credit Review Manager
Plano, TX: $182,500 - $208,300 for Sr. Credit Review Manager
Richmond, VA: $182,500 - $208,300 for Sr. Credit Review Manager
This role is 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.
Equal Opportunity 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.
For accommodations, please contact Capital One Recruiting at 1‑800‑304‑9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and used only to the extent required to provide needed reasonable accommodations.
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