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Capital One is hiring for a Credit Review Manager within Credit Review. Corporate Credit Review is an independent assurance organization of approximately 40 professionals covering Capital One’s commercial and retail businesses. Credit Review provides independent assessments of the company’s credit risk environment. Superior credit risk management is integral to the long-term viability of the company given the challenging macroeconomic pressures that all financial institutions are facing. Using standard review methodologies, Credit Review associates analyze the key credit risks of all Retail and Commercial banking businesses and their credit support functions, develop risk coverage strategies, execute reviews, and conduct on-going monitoring of these businesses to evaluate the overall effectiveness of the credit control environment. Our issues and observations influence the actions of executive management and inform the Audit and Risk Committee of the Board of Directors.
Credit Review’s Commercial Credit Review (CCR) Team is based in Louisiana and Texas and is responsible for reviews of the Commercial Banking businesses and their credit support functions.
The Senior Credit Review Manager’s responsibilities require that he/she communicate, both verbally and in writing, with senior levels of corporate and risk management. In this position, he/she will conduct all aspects of the end-to-end CCR process for assigned portfolio(s) to validate the timeliness and accuracy of commercial risk ratings, assess the effectiveness of credit business practices (loan underwriting/structuring, credit risk monitoring, problem recognition, remediation, and portfolio management), identify key issues or trends, and provide timely and accurate reporting to key stakeholders.
Job Responsibilities:
- Perform on-going monitoring of assigned reviewable lines of business to proactively surface existing and emerging risks, evaluate the effectiveness of corresponding credit controls, and provide feedback and recommendations to the Business.
- Proactively adjust sampling/testing as needed in accordance with changing risk environment.
- Build a thorough understanding of the credit risk and control fundamentals of the assigned reviewable lines of business through a close working relationship with Line management.
- Stay abreast of industry and regulatory trends to understand where risk may exist in assigned reviewable lines of business
- Escalate/elevate issues following established protocols and recommendations to the Business in-between scheduled review report issuance.
- Plan and lead reviews, as well as participate on other CCR reviews as requested.
- Proactively adjust review sampling/testing approach as to reflect changing risk environment.
- Build a thorough understanding of the credit risk and control fundamentals of the assigned reviewable lines of business through a close working relationship with Line management.
- Stay abreast of industry and regulatory trends to understand where risk may exist in assigned reviewable lines of business.
- Escalate/elevate issues following established protocols.
Basic Qualifications
- Bachelor’s degree from an accredited college or university.
- 10 years Corporate and/or Commercial Banking relationship and/or credit risk experience, with thorough knowledge of banking products and risk management techniques.
Preferred Qualifications
- Strong credit risk management skills with hands on experience in portfolio management, credit analysis, loan structuring/underwriting, risk ratings, and remedial management.
- Credit training and/or credit risk review experience in a Money Center or Regional bank covering middle market customers.
- Strong knowledge of credit risk policies and processes (applicable to internal candidates only)
- Demonstrated ability as an independent thinker who is able to challenge conventional wisdom and exercise sound judgment in relation to credit risk and banking transactions.
- Course studies in finance, accounting, and/or economics.
- Strong verbal and written communication skills.
- Supervisory/people management experience, with demonstrated ability to coach and lead individuals and teams to deliver high quality results against specified objectives
Capital One will not file non-immigrant visa petitions for alien workers.
As a recipient of TARP funding and under ARRA regulations, Capital One will not sponsor new H-1B petitions or transfer existing H1B Visas.
No agencies please. Capital One is an equal opportunity employer committed to diversity in the workplace. We promote a drug-free work environment. We emphasize recruiting, hiring, and retaining the most qualified candidates and providing them with the opportunity to meet their potential. We provide an environment where differences lead to solutions.
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