Sr. Director | Small Business Bank Lending Operations

Sr. Director | Small Business Bank Lending Operations

Capital One, a Fortune 500 company and one of the nation’s top 10 banks, offers a broad spectrum of financial products and services to consumers, small businesses and commercial clients. Our mission is to create one of the nation’s great banks, and we have the necessary ingredients: a strong balance sheet, resilient businesses, a massive customer franchise, strong analytical capabilities, and great people. We nurture a work environment where people with a variety of thoughts, ideas and backgrounds, guided by our shared Values, come together to make Capital One a great company – and a great place to work. 

About Small Business Bank:

We believe Small Businesses are the heart and soul of what drives our communities and economy forward with their passion and dedication to their work and customers. Beyond our customers, they are our family, friends and neighbors. 

Small Business Lending Operations is a very dynamic space. We serve borrowing needs of businesses of various sizes from relatively small businesses, to large corporations. We are competing for business with both established banks, as well as new fintech entrants that’s shifting customer experience expectations. We’re passionate about reinventing the way Small Businesses successfully manage their money, engage with their bank, and build meaningful financial lives. 

The Role:
 As a Sr. Director | Small Business Bank Operations Management at Capital One, you will set the operational and well-managed strategy and lead a team of credit and operations leaders and project managers to ensure best in class experiences for small business owners while ensuring operational efficiency, credit, legal and regulatory compliance..     

Responsibilities:
 

• Lead moderate sized operations teams including Credit Analysis, Underwriting, Special Assets, Loan Closing, Portfolio Servicing, Construction Monitoring and Renewals

• Lead a small team of high performing process and project associates responsible for project work across Credit Operations as well as administration of the Loan Origination System (Sageworks) and reporting

• Develop and maintain a deep understanding of business operations, customer experience and regulatory environment. 

• Analyze data to proactively identify risks and trends and provide insights that support well managed efficient operation

• Support internal business resource planning 

• Provide guidance and advice to business partners on implementing operational changes to meet new intent

• Drive collaboration between the sales, risk, underwriting, special assets, compliance, legal and other and other functions

• Ensure independent escalation of risk management gaps, issues, and concerns, including emerging risks and regulatory focus areas.

• Identify and execute on opportunities to improve operations and risk management, while delivering an exceptional customer experience

Qualifies of a Successful Candidate:

• Curious & Analytical - You ask why, explore possibilities, and bring your unique perspective to the table. You are comfortable with ambiguity and are a truth seeker. You make it your business to understand the customer, bank processes and requirements to drive innovative solutions that are grounded in evidence and always further the well-managed agenda

• Discerning & Deliberative - You are careful and methodical, navigate uncertainty and risks expertly, and have a knack for steering the team away from impulsive or ill-informed decisions.

• Action-Oriented & Results-Driven - You aren’t afraid to take action and make a decision. You’re organized, are up for juggling multiple deliverables, and prioritize your work while keeping the customer at the forefront of everything you do.

• Up for a Challenge - Unfamiliar, and complex problems will be exciting for you as you work to identify well-rounded solutions. You have an insatiable appetite for learning, and are constantly seeking out new challenges.

• Passionate & Customer-Focused - You are customer obsessed. You make it your business to understand their needs and their goals and are not satisfied with anything less than an exceptional customer experience.

• Communicative & Influentia