Director, Industry Commercial Credit

Director, Industry Commercial Credit

Capital One is seeking an Industry Commercial Credit Officer with a background in Commercial Real Estate  (“CRE”) lending. This candidate will be part of the Commercial Credit Risk & Analytics (CR&A) organization, operating in a high-profile environment. 

The position is primarily responsible for working with the Segment Lead Senior Credit Officer (“SCO”) in the risk assessment activities related to new originations, modifications, and renewals of existing loans.  Secondary responsibilities will consist of portfolio management activities, which include: evaluating annual reviews in order to assess existing and upcoming risk factors, confirming the appropriateness of recommended risk ratings, confirming action plans, and communicating risks outside of normal risk parameters to the Segment Lead SCO. 

With regard to new transactions, renewals and modifications, the candidate will exercise allocated credit approval authority. When outside of specific approval authority, the candidate should make recommendations, prepare a written analysis, and send to the Segment Lead SCO, CRE Credit Executive, and/or Chief Commercial Credit Officer for final approval. 

The primary objectives of this position are to ensure that commercial CRE loans within the assigned portfolios are within expected credit parameters, comply with policies and procedures, contain appropriate action plans, and are appropriately risk rated.

Manage Credit Approval Process:

• Ensure all credit exposures and deal renewals/amendments are approved in accordance within existing policies and procedures, both internal underwriting standards and external regulatory guidelines, and are appropriately risk rated

• Review Credit Approval Memos and approve credit structures are appropriate for the risk profile of the Borrower

On-going Portfolio Management:

• Continuously monitor the credit quality of each transaction in the portfolio, and overall portfolio quality trends.

• Ensure annual reviews are well-documented, risk ratings are accurate, and are based on a forward-looking view.

• Identify deteriorating credits and take appropriate action to mitigate risk; Partner with Special Assets team to transition troubled accounts as needed

• Collaborate with the Business as a Subject Matter Expert on regulatory and/or compliance requirements

• Work with the portfolio analytics group within CR&A to develop discrete reporting on portfolio metrics.

• Communicate individual and general risk issues to the Segment Lead SCO
   

Risk Assessment:

• Identify the key historical (and future), credit (and non-credit) risks related to a specific transaction

• Develop a well-informed and forward-looking view of the business

• Evaluate the inputs and results of cash flow and valuation models under expected and stressed scenarios to determine the sustainability of the cash flows/values and resilience of the sources of repayment

• Provide front-end structuring guidance to business partners and negotiate acceptable solutions that prudently balance risk and return

• Be a Strategic Partner with the Line of Business and Underwriting/Portfolio Management
   

Basic Qualifications

• Bachelor’s Degree or Military experience

• At least 10 years of experience in commercial real estate lending

Preferred Qualifications

• Proficient with credit principles and loan structuring

• Proficient with the technical requirements of CRE analysis

• Working industry knowledge of commercial real estate markets and various property types

• Completed formal credit training

 

At this time, Capital One will not sponsor a new applicant for employment authorization for this position. 

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.