Senior Manager, Commercial Credit Review

Capital One; Charlotte (NC); On-site; USD 182,500 - 208,300; Full time

Job summary

Capital One's Commercial Credit Review team seeks a Senior Manager to lead continuous testing and targeted reviews within assigned portfolios, support the annual Credit Review plan, and collaborate across Credit Review teams.

In this role you will analyze portfolio composition, identify risks, communicate results to executives and regulators, and build strong cross‑defense relationships to guide business leaders toward critical, data‑driven decisions.

Qualifications

• Bachelor’s degree or military experience.
• At least 5 years of experience with traditional cash flow and leveraged lending.
• At least 8 years of direct transactional credit experience (underwriting, workout, risk management, credit review or regulatory).

Responsibilities

• Complete transactional testing to assess client selection, underwriting quality, borrower monitoring, and risk rating accuracy.
• Analyze portfolio composition to identify trends and risks and provide an opinion on portfolio quality.
• Lead Targeted Reviews to assess key risks in specific or multiple portfolios.
• Identify gaps in credit policy, credit processes, and credit risk rating models.
• Identify key and emerging risks.
• Communicate results to executive-level management, regulators, and other stakeholders.
• Build and maintain relationships across all three lines of defense.
• Act as advisor to business heads and lenders through effective communication channels.
• Provide leadership to drive decisions and deliverable results.
• Develop and execute monitoring plans.
• Assist in or lead quarterly Business Assessment Reports.
• Lead special projects.

Skills

Credit analysis

Financial analysis

Leadership

Communication

Cross-functional collaboration

Education

Bachelor's degree or military experience

Job description

Senior Manager, Commercial Credit Review

Capital One’s Credit Review organization is a third line of defense function that provides an independent assessment of the Company’s credit quality, key and emerging risks, and credit process execution. The Commercial Credit Review team is seeking a Senior Manager to lead continuous testing and targeted review activities within assigned portfolios, support the annual Credit Review plan, and collaborate cross‑functionally across Credit Review teams.

Responsibilities

• Complete transactional testing to assess the appropriateness of client selection, quality of underwriting, effectiveness of borrower monitoring, and accuracy of risk ratings.
• Analyze portfolio composition to identify trends and risks and provide an opinion on portfolio quality.
• Participate in or lead Targeted Reviews to assess key risks in specific or multiple portfolios.
• Identify gaps in credit policy, credit processes, and credit risk rating models.
• Identify key and emerging risks.
• Effectively communicate results to executive‑level management, regulators, and other key stakeholders.
• Build and maintain effective working relationships across all three lines of defense.
• Act as an approachable advisor to business heads and key lenders by developing continuous and effective communication channels for all stakeholders.
• Provide business leadership and partnering skills to help drive the organization toward critical decisions and deliverable results.
• Develop and execute monitoring plans.
• Assist in or lead the completion of quarterly Business Assessment Reports.
• Lead special projects.

Basic Qualifications

• Bachelor’s degree or military experience.
• At least 5 years of experience with traditional cash flow and leveraged lending.
• At least 8 years of direct transactional credit experience (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 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 responsibilities.
• Ability to navigate across a large organization and work with cross‑functional teams.

Salary and Benefits

Salary ranges by location:

• Charlotte, NC: $182,500 – $208,300
• Chicago, IL: $182,500 – $208,300
• McLean, VA: $200,700 – $229,100
• New York, NY: $219,000 – $249,900
• Plano, TX: $182,500 – $208,300
• Richmond, VA: $182,500 – $208,300

This role is also eligible to earn performance‑based incentive compensation, which may include cash bonuses and/or long‑term incentives. Capital One offers a comprehensive, competitive, and inclusive set of health, financial, and other benefits that support total well‑being.

Legal and Equal Opportunity

Capital One is an equal opportunity employer (EOE, including disability/veteran) committed to non‑discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug‑free workplace.