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Overview

Plano 3 (31063), United States of America, Plano, Texas Senior Associate - Sr. Commercial Credit Analyst

As an integral member of Business Underwriting & Loss Mitigation, the Sr. Commercial Credit Analyst will perform key underwriting and portfolio management activities for the Commercial Card portfolio. The candidate will review financial statements and economic data, create risk ratings and write credit memos, and make recommendations to senior stakeholders exercising sound credit judgment. The role offers the candidate the opportunity to build underwriting skills while influencing broader risk management policies, processes and strategies

Responsibilities:

• Participate in origination and ongoing portfolio management of commercial card credit facilities as a key member of deal teams.

• Perform due diligence on corporate borrowers’ creditworthiness and ability to meet financial obligations. This includes analysis of bank statements, credit card processing statements, tax returns and/or financial statements (balance sheet, income statements, cash flow statements).

• Create risk ratings with due consideration of key risks and inputs. Understand methodologies and levers behind risk ratings across a diverse range of corporate structures and industry frameworks

• With training, apply pricing considerations, deal economics, and resilience factors to overall credit decisions.

• Understand and support compliance with AML, KYC and all other applicable regulatory requirements, for each deal.

• Where applicable, make recommendations to optimize underwriting/portfolio management processes (examples: document collection, analysis automation)

• Support Underwriting leaders with reporting, quality control or other ad-hoc projects as needed.

• Escalate potential credit concerns to management immediately.
  

Culture and Horizontal Contributions:

• Contribute to the Commercial Card team culture, as part of the Business Cards & Payments organization by engaging in team-building activities

• Demonstrate a genuine desire to collaborate with all team members.

• Demonstrate a willingness to learn. Including asking a question to clarify and learn concepts.

Basic Qualifications:

• Bachelor’s degree or military experience

Preferred Qualifications:

• Bachelor’s degree with Major in Accounting, Finance, Mathematics, or Economics

• At least 9 credit hours in Accounting

• Basic understanding of financial statements

• Customer Facing Banking Experience

• Strong analytical, verbal and interpersonal skills

At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at theCapital 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 committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable federal, state or local law. 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).