Hybrid Senior Credit Analyst, Cards & Payments

Capital One National Association; Richmond (VA); Hybrid; USD 88,000 - 110,000; Full time

Job summary

Capital One National Association is seeking a proactive Senior Credit Analyst for Business Cards & Payments in a hybrid role based in Richmond, VA or McLean, VA. You will autonomously evaluate credit applications and present risk‑adjusted recommendations for exposure up to $2MM, while collaborating with sales teams and internal partners.

The role emphasizes strong analytical skills, clear communication, and the ability to influence senior stakeholders.

Qualifications

• 2+ years of experience in credit underwriting, financial analysis, or commercial lending.
• Bachelor's Degree or Military experience.
• Experience with underwriting credit products and exposure up to $2MM preferred.

Responsibilities

• Autonomously manage day‑to‑day credit evaluations and provide well‑reasoned recommendations on cases up to $2MM.
• Evaluate business performance, cash flow, revenues, and sustainability against policy guardrails.
• Prepare concise credit memos with risks, mitigants, and business rationale for deviations.

Skills

Credit underwriting

Financial analysis

Commercial lending

Credit risk assessment

Education

Bachelor's Degree or Military experience

Job description

Capital One National Association is seeking a proactive Senior Credit Analyst for Business Cards & Payments in a hybrid role based in Richmond, VA or McLean, VA. You will autonomously evaluate credit applications and present risk‑adjusted recommendations for exposure up to $2MM, while collaborating with sales teams and internal partners.

The role emphasizes strong analytical skills, clear communication, and the ability to influence senior stakeholders.