Director, Small Business Lending & Credit Strategy

Capital One Group

Richmond (TX)

Hybrid

USD 210,000 - 239,000

Full time

14 days+

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Job summary

Capital One seeks a Director of Credit & Underwriting for Small Business Banking in Richmond/Plano. You will lead credit analysis across conventional, SBA, and CDFI lending, guiding a team of analysts to make sound decisions and uphold risk standards.

Drive policy refinement and workflow modernization while ensuring compliance and portfolio health. You will manage approvals, mentor staff, and partner with risk, sales, and operations to execute deals efficiently.

Qualifications

Bachelor’s Degree or Military experience
8+ years of Commercial and/or Small Business Credit Analysis and Underwriting
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

Responsibilities

Lead 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 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.