Physician Reviewer -Physician Medicine & Rehab, Occupational Medicine,…
Blank StreetSalary not specified
Part Time
Expert & Leadership (9+ years)
Senior Director, Commercial Credit Review at Capital One
Charlotte, North Carolina, United States
Not SpecifiedCompensation
Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level
Full TimeJob Type
UnknownVisa
Banking, Financial ServicesIndustries
Requirements
- Bachelor’s degree or military experience
- At least 10 years of transactional credit experience in underwriting, workout, risk management, credit review or regulatory
- Preferred Qualifications
- Master’s degree
- Certified Financial Analyst (CFA) OR Certified Public Accountant (CPA)
- Ability to support conclusions through fact-based analysis and ability to 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
Responsibilities
- Leading 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, including:
- Analysis of portfolio composition to identify trends and risks and provide an opinion on portfolio quality
- Facilitates the identification of gaps in policy, processes, and risk rating models
- Identifies 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 to assess key risks in a given portfolio or across portfolios
- Overseeing the completion of quarterly Business Assessment Reports
- Communicates 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
- Ability to provide 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
- Supports in 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
Skills
Credit Review
Portfolio Analysis
Risk Assessment
Underwriting
Risk Ratings
Borrower Monitoring
Transactional Testing
Leadership
Team Coaching
Business Assessment
Capital One
Offers diverse financial products and services
About Capital One
Capital One provides a variety of financial services aimed at making banking accessible and easy for everyone. The company offers products such as credit cards, savings accounts, car loans, and business checking accounts, catering to both individual consumers and small businesses primarily in the United States. Capital One's approach includes user-friendly banking solutions with no fees or minimums for checking accounts, allowing customers to manage their finances more effectively. They generate revenue through interest on loans, credit card fees, and investment banking services. What sets Capital One apart from its competitors is its strong commitment to financial inclusion and literacy, demonstrated through community partnerships and educational initiatives, such as collaborations with Khan Academy. The company's goal is to create a more inclusive financial system and empower customers with the knowledge and tools they need to make informed financial decisions.
McLean, VirginiaHeadquarters
2014Year Founded
$15.9MTotal Funding
IPOCompany Stage
Fintech, Financial ServicesIndustries
10,001+Employees
Benefits
Medical, Dental, & Vision coverage
Onsite Health Centers
Prescription saving with network of local pharmacies
Stock Purchase Plan
Education Assistance
401(k)
Flexible Spending Accounts
Life and Disability insurance
Generous paid time off + corporate & floating holidays
Registered dieticians on site, cooking classes and free virtual fitness classes
Employee Assistance Program
Risks
Increased competition in subscription management tools may dilute Capital One's advantage.
Over-reliance on partnerships could expose Capital One to technological risks.
Departure of key personnel like Joe Rodriguez may affect risk management continuity.
Differentiation
Capital One offers user-friendly banking with no fees or minimums for checking accounts.
The company partners with Khan Academy to provide financial literacy education.
Capital One is the first major U.S. bank to offer subscription management tools.
Upsides
Capital One's mobile app is a model for secure, user-friendly digital banking.
Data sharing with Worldpay enhances payment security and fraud prevention.
Partnerships with fintechs like Minna Technologies improve customer experience.
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