Sr. Manager - Commercial Card Underwriting, Portfolio Management

Sr. Manager - Commercial Card Underwriting, Portfolio Management Capital One, a Fortune 500 company and one of the nation’s top 10 banks, offers a broad spectrum of financial products and services to consumers, small businesses and commercial clients. Our goal is to create one of the nation’s great banks, and we have the necessary ingredients: a strong balance sheet, resilient businesses, a massive customer franchise, strong analytical capabilities, and great people.

We nurture a work environment where people with a variety of thoughts, ideas and backgrounds, guided by our shared Values, come together to make Capital One a great company – and a great place to work. The Underwriting and Portfolio Management organization is responsible for working with internal partners to underwrite new transactions and manage the existing portfolio of loans. Supporting our Business Cards & Payments business, our Underwriters and Portfolio Managers balance supporting resilient growth while ensuring we have a scalable, well-managed business.

As a Sr. Manager in this space, you demonstrate subject matter expertise in credit risk management and are expected to perform responsibilities independently. In addition to your own job duties, you may play a leadership role across deal teams by guiding and shaping more junior associates.

You are trusted with the most complex transactions and to solve unique problems because of your experience and job specific skills. Primary underwriting responsibilities may include : Lead new originations and scheduled review process and calls; evaluate deals to draw relevant conclusions on material strengths, risks, and mitigants Develop junior team members in financial statement analysis and cash flow analysis Prepare and review financial models independently Coordinate with deal team on appropriate structuring options or overrides to financial models Write and prepare all parts of the credit approval document; may serve as second approver for members of the team; take a leadership role in conversations with internal partners Oversee closing process requirements; review closing memo Interact directly with customers to articulate credit decisions or conduct further due diligence Drive overall deal process and lead communication with internal and external constituents; constructively improve deal process Delegate spreading and risk ratings to analysts or contractor teams Prepare and/or review profitability models independently; understand drivers for pricing model outputs and consider areas for increasing returns Primary portfolio or asset management responsibilities may include : Manage a portfolio of accounts independently; review and monitor portfolio accounts’ health and performance against expectations; drive customer retention Proactively anticipate issues, draw parallels from other accounts to own account; resolve problem accounts in partnership with other teams and specialists Complete annual reviews and both material and non-material modifications independently and on time Facilitate and lead ad hoc and quarterly portfolio reviews Ensure compliance with credit policies and procedures for existing accounts Respond to requests from all internal and external stakeholders Ensure portfolio data is accurate, timely, and complete to ensure strong quality and reporting capabilities Additional Responsibilities may include : Build relationships across function and business to foster collaboration between partner groups Interact directly with customers to cultivate strong relationships while balancing risk and return Interpret data into actionable reporting Participate in internal initiatives to ensure the business is well-managed and operates efficiently Basic Qualifications : Bachelor’s Degree or Military Experience At least 5 years of experience in credit underwriting, portfolio or asset management At least 2 years of people leadership experience or at least 2 years of peer coaching experience Preferred Qualifications : Bachelor's Degree in Accounting or Finance 7+ years of experience in credit underwriting, portfolio or asset management 1+ years of Process Management experience At this time, Capital One will not sponsor a new 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. Plano, TX: $182,500 - $208,300 for Comml Underwriter III 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. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site. 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).