The Business Cards & Payments (BC&P) organization is committed to fueling the courageous entrepreneurial spirit that's at the heart of America's business owners and offer products and services to help them do more business.
We've built an organization that is focused on listening to and learning from the millions of business customers we serve every day to make sure our products, services and experiences work as hard as they do. The name of our organization reflects our current leadership position in Small Business and Commercial Cards - as well as our aspiration to serve a wide range of needs for our customers Beyond the Card. We are a culture that dreams big and embraces an entrepreneurial and ownership spirit - just like our business customers.
We are seeking a motivated and fast learner with good quantitative, analytical, and communication skills to be accountable for a portfolio of credit line decisions up to $750K exposure. In this role, you will have primary accountability for analyzing business and personal financial conditions to evaluate credit worthiness and prepare detailed recommendations for loan decisions. You will assess financial statements and additional data to understand revenues, profitability, cashflow, sustainability, and overall risks. You will present your decisions to senior approvers, to field sales, partners, and directly to clients.
General Responsibilities:
Make credit recommendations on cases up to $750K exposure and maintain individual signing authority up to $150K exposure
Conduct business interviews to understand client business model, sources of revenue, merchant spend, and future projections
Assess business financial performance against policy guardrails
Exceptional interpersonal, verbal communication and writing skills
Evaluate future business growth potential, market competitiveness, and industry risks
Prepare clear, concise analysis supporting credit memos that recommend decisions and address rationale for any deviations from loan policy, procedures and guidelines
Identify and mitigate key credit risks
Maintain satisfactory level of portfolio losses while meeting expectations of loan revenues
Adhere to all applicable regulations and the expected execution standards
Request additional business and personal information to address key identified risks
Demonstrate exceptional service in all interactions with clients and partners
Monitor portfolio performance to identify trends and alignment to expectations
An ideal candidate would possess:
Strong quantitative, analytical, problem solving and conceptual skills
Examples of demonstrated leadership and team-oriented traits
Basic Qualifications:
Currently has, or is in the process of obtaining, a Bachelor's degree or higher with an expectation that you will complete your most recent full-time degree program by May 2025 or earlier.
At this time, Capital One will not sponsor a new applicant for employment authorization, or offer any immigration related support for this position (i.e. H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, or another type of work authorization).
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
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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).