Sr. Business Analyst, Commercial Real Estate

Capital One; Richmond (VA); On-site; USD 101,000 - 127,000; Full time

Job summary

Capital One is seeking a Senior Business Analyst for our CRE portfolio to partner with Relationship Managers, Underwriters and Credit Officers. You will shape how credit risk is analyzed and monitored as market dynamics affect borrowers’ health.

You will work with a high-visibility team that translates complex problems into actionable solutions, driving strategic insights and measurable improvements across the portfolio.

Qualifications

• Bachelor's or Master's in a quantitative field (or MBA with quantitative concentration).
• 2+ years of analytics experience across credit risk.
• 1+ years of statistical modeling experience preferred.
• 1+ years of market research experience.
• 1+ years of SQL querying experience.

Responsibilities

• Analyze business challenges and opportunities and provide strategic recommendations.
• Support credit risk improvements by linking drivers to historical behavior and testing hypotheses.
• Develop hypotheses, test analyses, scope feasibility, and lead implementations.
• Collaborate with Underwriting, Credit, Product, Tech and others to drive improvement.
• Demonstrate strong business judgment and communicate clearly to influence decisions.
• Drive results in a fast-paced, entrepreneurial, cross-functional environment.

Skills

SQL querying

Credit risk analysis

Financial modeling

Analytical thinking

Market research

Consulting

Education

Bachelor's degree in a quantitative field

Master's degree in a quantitative field or MBA with quantitative concentration

Job description

Summary:

As a Senior Business Analyst for our $55B+ Commercial Real Estate (CRE) business, you will be a strategic partner to Relationship Managers, Underwriters, and Credit Officers. Your primary project will be to manage how we’re conducting credit risk analysis across the portfolio as market dynamics and the macroeconomy changes and puts pressure on our borrower’s financial health.

Team Dynamics:

We are a high-visibility, collaborative team acting as the strategic bridge between a variety of cross-functional partners. The dynamic is fast-paced and focused on solving \"white-space\" questions that lack a pre-existing playbook. While we move quickly to support business decisions, we also prioritize taking the time to invest in ourselves and become experts in our work. You will be empowered to autonomously drive your own workstreams.

We value analytical rigor—someone who isn\'t satisfied with an \"acceptable\" answer but drills deep to find the best one. Because we act as the bridge across the business, a strong \"translator\" perspective is critical. We thrive with proactive \"builders\" who can simplify complex problems into actionable outcomes that move the needle for the business.

General Responsibilities:

• Analysis: Identify business challenges and opportunities for improvement and solve for them using analysis to make strategic or tactical recommendations
• Credit Risk: Support step-change improvements in credit performance by connecting drivers of future consumer credit trends to historical behavior, creating risk models, and testing hypotheses using rigorous monitoring and analysis
• Execution: Involve problem frame-works, develop hypotheses, test and analysis, solution development, scope operational feasibility, lead implementation efforts and develop a monitoring plan
• Partnership: Work closely with colleagues across Capital One including: Underwriting, Credit, Product, Tech and others to drive improvement
• Strategic & analytic orientation: A proven track record of decision making and problem solving based on analytics. Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analytic marketing & credit risk management
• Strong business judgment, leadership and integrity: He/she should be a tenacious decision maker, able to bring a healthy and responsible approach to business
• Strong communication skills: Impeccable written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skills
• Clear results orientation: display an intense focus on achieving both short and long term goals. He/she should be able to drive and execute an agenda in an uncertain and fluid environment
• Successful track record of thriving in a fast paced, entrepreneurial and dynamic environment. Previous consulting experience is a plus

Basic Qualifications:

• At least 2 years of professional experience performing analysis
• Currently has, or is in the process of obtaining one of the following with an expectation that the required degree will be obtained on or before the scheduled start date:
• A Bachelor\'s Degree in a quantitative field (Business, Finance, Accounting, Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, Computer engineering, Software engineering, Mechanical engineering, Information Systems or a related quantitative field)
• A Master\'s Degree in a quantitative field (Business, Finance, Accounting, Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, Computer Engineering, Software Engineering, Mechanical engineering, Information Systems or a related quantitative field) or an MBA with a quantitative concentration

Preferred Qualifications:

• Master’s Degree in Business or quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, Engineering
• 1+ years of experience in Statistical model building
• 1+ years of experience in market research
• 1+ years of experience in SQL querying
• 2+ years of experience in business analysis
• 1+ years of experience in consulting

Capital One will consider sponsoring a new qualified applicant 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.

McLean, VA: $111,200 - $126,900 for Sr. Business Analyst

Richmond, VA: $101,100 - $115,400 for Sr. Business Analyst

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.

This role is also 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.

This role is expected to accept applications for a minimum of 5 business days.

No agencies please. 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, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

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Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).