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Capital One Logo Capital One · Finance

Commercial Credit Review, Sr. Manager

United States, Plano 182500.00 - 249900.00 USD / Year · Job Posted April 05, 2026
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Job Description

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 Manager who will participate in and/or lead continuous testing and targeted review activities within assigned portfolios. The role will be primarily focused on providing assurance coverage of Energy lending (oil and gas and/or renewables).

Job Responsibility

  • Completing transactional testing to assess the appropriateness of client selection, quality of underwriting, effectiveness of borrower monitoring and accuracy of risk ratings
  • Analyzing portfolio composition to identify trends and risks and provide an opinion on portfolio quality
  • Participating in or leading Targeted Reviews to assess key risks in a given portfolio or across portfolios
  • Identifying gaps in credit policy, credit processes, and credit risk rating models
  • Identifying key and emerging risks
  • Effectively communicating results to executive level management, regulators and other key 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
  • May be asked to develop and execute against monitoring plans
  • May be asked to assist in or lead the completion of quarterly Business Assessment Reports
  • May be asked to lead special projects

Requirements

  • Bachelor’s degree or Military experience
  • At least 8 years of direct transactional credit experience (underwriting, workout, risk management, credit review or regulatory)
  • At least 5 years of experience with energy lending, including oil and gas or renewable energy

Nice to have

  • 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

What we offer

  • performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI)
  • comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being
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