Senior Director, Commercial Credit Review

Senior Director, Commercial Credit 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 is seeking a Senior Director who will lead a team of reviewers performing continuous testing and targeted review activities across 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.

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
• Oversees 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

Basic Qualifications :

Preferred Qualifications :

Salaries for this role are listed below, by location :

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.