Senior Director, Commercial Risk Review

Capital One's Credit Review organization is a third line of defense function that is responsible for providing an independent assessment of the Company's credit quality, key and emerging risks, and credit process execution to the Risk Committee of the Board of Directors and other stakeholders.Commercial Credit Review – Senior DirectorCommercial Credit Review is seeking a Senior Director who will lead a team of reviewers responsible for providing an independent assessment of assigned portfolios. The commercial portfolio includes, but is not limited to: Energy, Middle Market Banking, Commercial Real Estate, Healthcare, Financial Institutions, Municipal Finance, Counterparty Credit, Capital Markets, Leveraged Lending and Special Assets. The Senior Director will lead efforts towards the execution of the annual Credit Review plan and work cross‑functionally across Credit Review teams in the process. This individual will also be responsible for building and maintaining working relationships with line of business management and key associates within Risk Management.ResponsibilitiesLeading and coaching a team of senior credit reviewers in providing assurance coverage of individual portfolios within the Commercial Bank.Overseeing the comprehensive review and continuous monitoring execution of reviewable entities and key risk areas.Analyzing portfolio composition to identify risks and provide an opinion on portfolio quality.Facilitating the identification of gaps in policy, processes, and risk rating models.Identifying key and emerging risks.Reviewing transactional testing to assess the appropriateness of client selection, quality of underwriting, effectiveness of borrower monitoring and accuracy of risk ratings.Providing supervisory oversight to Targeted Reviews.Overseeing the completion of quarterly Business Assessment Reports.Communicating results to executive level management, regulators and stakeholders.Building and maintaining effective working relationships across all three lines of defense.Acting as an approachable advisor to business heads and key lenders by developing continuous and effective communication channels for all stakeholders.Providing business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results.Having a strategic voice for the overall Commercial Credit Review function.Part of the extended leadership team for the entire Credit Review organization.Supporting the development of the Credit Review Annual Plan and quarterly plans.Continuously reviewing and improving the credit review process, identifying opportunities to streamline existing operations and enhance efficiency.Ensuring the team follows Credit Review guidelines, policies and best practices.Conducting talent management, including completion of performance reviews, setting clear goals and development of team members.Basic QualificationsBachelor's degree or military experience.At least 10 years of transactional credit experience in underwriting, workout, risk management, credit review or regulatory.Preferred QualificationsMaster'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 responsibility.Ability to navigate across a large organization and work with cross‑functional teams.SalaryCharlotte, NC: $245,100 – $279,800 for Sr. Director, Credit ReviewChicago, IL: $245,100 – $279,800 for Sr. Director, Credit ReviewMcLean, VA: $269,600 – $307,700 for Sr. Director, Credit ReviewNew York, NY: $294,100 – $335,700 for Sr. Director, Credit ReviewPlano, TX: $245,100 – $279,800 for Sr. Director, Credit ReviewRichmond, VA: $245,100 – $279,800 for Sr. Director, Credit ReviewRiverwoods, IL: $245,100 – $279,800 for Sr. Director, Credit ReviewBenefitsCapital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well‑being. Eligibility varies based on full or part‑time status, exempt or non‑exempt status, and management level. 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.EEO StatementCapital 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 qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries.#J-18808-Ljbffr