At Capital One, we’re building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding.                                               

Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams. Together, we are on a quest to change banking for good.

This candidate will be part of the Credit Risk Management organization, operating in a high-profile and organizationally flat environment responsible for the due diligence, structuring and approval of loans submitted by Underwriters from various lending areas. The Middle Market Bank Senior Credit Officer (“MMB SCO”) will work proactively with the Underwriters and Relationship Management teams to analyze, structure, adjudicate, and legally document credit exposures.  The MMB SCO is accountable for the monitoring and credit approval process for assigned portfolios, is expected to closely track the performance of existing exposures, and should have a forward looking view of portfolio performance.  The successful SCO will have a deep understanding of the intricacies of asset backed and cash flow lending to clients with revenues between $50MM and $500MM in  into multiple industries, and be able to proactively anticipate and incorporate changes in risk sentiments into our lending practices. This is a management position and the SCO will be responsible for delegation of responsibilities and development of a junior credit officer.

Approval authority is delegated solely to the Senior Credit Officer in the 2nd line of defense who mentors and works proactively with Underwriters in the 1st line. This individual will have experience through various credit cycles with underwriting, structuring, covenanting, risk-rating and pricing simple and complex commercial loan transactions.  The individual will have a thorough understanding of credit principles and have mastered the technical requirements of analysis.  In addition to the technical proficiency required, the candidate will also be expected to exhibit good judgment in decision making and be an inclusive and collaborative partner with the 1st line.

Risk Assessment:

• Identify the key historical (and future) credit (and non-credit) risks related to a specific transaction.
  • Provide front-end structuring guidance to business partners and negotiate acceptable solutions that prudently balance risk and return.
  • Develop a well-informed and forward-looking view of the business and the expected volatility of the cash flow and collateral being financed.
  • Be a Strategic Partner with the Line of Business as they develop new strategies.

Manage Credit Approval Process:

• Ensure all credit exposures and deal renewals/amendments are approved in accordance with Underwriting Standards and are appropriately Risk Rated.
• Review Credit Approval Memos and approve a credit structure appropriate for the risk profile of the Borrower; Provide “credible challenge” on each transaction approved.
• Review transaction documentation, as appropriate, to ensure terms are appropriate and consistent with credit approval.

On-going Portfolio Management:

• Continuously monitor the credit quality of transactions in assigned portfolio.
• Ensure annual reviews are well documented and 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.
• Experience in building support to gain acceptance and buy-in on credit decisions in a collaborative environment
• Ability to partner across business lines and work with the lending and underwriting teams

Basic Qualifications

• Bachelor’s Degree or Military experience
• At least 15 years of experience with commercial banking, corporate banking or secured lending
• Successfully completed formal credit training program
• At least 5 years of relationship management experience
• At least 7 years of commercial or corporate lending

Preferred Qualifications

• Master’s of Business Administration
• At least 20 years of experience with commercial/corporate banking or secured lending
• At least 7 years of relationship management experience
• At least 10 years of commercial/corporate lending or other credit intensive experience

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

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 This email address is being protected from spambots. You need JavaScript enabled to view it.. 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 This email address is being protected from spambots. You need JavaScript enabled to view it.

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

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).

APPLY NOW

At Capital One, we’re building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding.                                               

Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams. Together, we are on a quest to change banking for good.

At Capital One, we’re building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is seeking to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding.                                               

Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams.

Position Title: Director, Commercial Bank Strategy & Innovation

Location: New York, New York

About the Group:

The Commercial Strategy team is a group of approximately 15 resourceful and highly motivated professionals within the broader 50+-person Commercial Strategy & Innovation organization dedicated to setting the segment’s strategic direction and exploring the potential to create disruptive, digital products.  The team selectively engages on the highest-impact issues that drive the direction of the Commercial Bank, collaborating closely with Company leaders and commercial banking lines-of-business.

Capital One’s unique business advantage derives from its dedication to rigorous analysis and strategy, inherited from Founder and CEO Rich Fairbank. Commercial Strategy & Innovation is a critical component of this advantage, and is helping to chart the Company’s path forward by working closely with technologists, data scientists, and designers to upend old models of banking and transform the industry.

About the Role:

Commercial Strategy & Innovation is seeking high-performing self-starters eager to disrupt traditional modes of banking and define the future of Capital One. Directors will lead and contribute to the development of credible, data-driven recommendations within multiple collaborative strategy case teams. Hires are expected to be inventive problem-solvers both comfortable addressing ambiguous questions and executing sophisticated analyses. They will manage multiple projects and present their findings and recommendations to senior leaders, with whom they will be thought-partners. Successful Directors will have the opportunity to work closely with a variety of partner teams, including innovation teams located in our Digital Lab, finance teams, technology teams, risk management teams, and product management teams.

Core Responsibilities:

• Work with cross-functional teams and leverage data and analysis to solve complex business problems
• Develop and lead projects that produce substantive, grounded casework
• Build working relationships with Commercial Bank lines-of-business and other partner teams
• Develop casework findings and recommendations for senior leaders, including Company senior management
• Assume leadership role on project and people management
• Promote the culture and values of Capital One and the Commercial Strategy & Innovation group

About Capital One and the Commercial Bank

With over 65 million customers and 45,000 associates, Capital One is the 6th largest bank in the United States with a wide range of financial services products including commercial banking, retail banking, and credit cards. The Commercial Bank is the 9th largest commercial bank in the United States with $66 billion in loans.

Among numerous recent awards, Capital One has been named to FORTUNE magazine’s 100 Best Companies to Work For, Working Mother’s 100 Best Companies list, and Human Rights Campaign’s Best Places to Work for LGBT Equality list.

Basic Qualifications:
• Bachelor’s Degree

• At least 3 years of experience in quantitative analysis

• At least 3 years of experience in qualitative analysis
• At least 3 years of experience in people management
• At least 3 years of experience in project management

Preferred Qualifications:
7+ years of experience in management consulting or relevant fields with a record of strong performance

Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.

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 This email address is being protected from spambots. You need JavaScript enabled to view it.. 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 This email address is being protected from spambots. You need JavaScript enabled to view it.

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

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).

APPLY NOW

At Capital One, we’re building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding.                                               

Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams. Together, we are on a quest to change banking for good.

Corporate Audit Services (CAS), the Internal Audit function within Capital One, is a dedicated group of audit professionals focused on delivering top quality assurance services to the organization’s Audit Committee. The CAS department is considered one of the leading internal audit functions within the financial services industry and is highly regarded within Capital One. CAS professionals are experienced, well-trained and credentialed, and operate within a collaborative, agile environment to deliver value-added opinions and recommendations. In addition, the CAS vision of Innovate Continually, Perform Brilliantly, and Set the Standard create a dynamic and challenging atmosphere for both personal growth and professional opportunity.

CAS is seeking an energetic, self-motivated Senior Auditor to join the Corporate Audit Services team. The Senior Auditor will perform professional internal auditing work that involves conducting operational, financial and compliance audit projects and providing input to the annual audit plan. The Senior Auditor will be responsible for maintaining all organizational and professional ethical standards.

Here’s what we’re looking for in an ideal teammate:

• You believe insight and objectivity are core elements to providing assurance on the effectiveness and efficiency of Capital One’s governance, risk management, and internal control processes.

• You adapt to change, embrace bold ideas, and are intellectually curious. You like to ask questions, test assumptions, and challenge conventional thinking.

• You develop influential relationships based upon shared risk objectives and trust to deliver outstanding business impact and elevate Audit’s value proposition.

• You’re a firm believer that a rich understanding of data, innovation, and technical knowledge will only make you a better Auditor. This will require leveraging the power of data analytics and furthering your technical know-how, so you’ll want to ensure that technology doesn’t scare you off.

• You’re a teacher. You have a passion for coaching and investing in the betterment of your team.

• Lastly, you create energy and an environment that make it easy to attract, hire, and retain top talent.

Responsibilities:

• Perform risk assessments of business activities, potential exposures and the materiality of loss. Design and perform appropriate audit procedures to verify the effectiveness.

• Design and execute internal control testing for operations of moderate complexity. Perform and often plan audit tasks of moderate difficulty, demonstrating a degree of audit expertise consistent with experience level.

• Leverage available data and analytical tools during the planning, fieldwork, and reporting phases of audit delivery

• Establish and maintain good client relations during engagements.

• Begin communicating the results of some audit projects to management via written reports and oral presentations.

As one of the “100 Best Companies to Work For,” you can look forward to coming to work every day with a team of people that are committed to excellence and doing the right thing.

Basic Qualifications:

• Bachelor’s Degree or military experience

• At least 1 year of experience in auditing, at least 1 year of experience in accounting, at least 1 year of experience in financial analysis, at least 1 year of experience in compliance, or a combination

Preferred Qualifications:

• Master’s Degree in Accounting or Master’s Degree in Finance or Master’s Degree in Economics, or Master of Business Administration

• Certified Internal Auditor (CIA) or Certified Public Accountant (CPA) or Certified Regulatory Compliance Manager (CRCM) or Certified Information Systems Auditor (CISA) or Certified Bank Auditor (CBA)

• 1+ years of experience in banking or 1+ years of experience in financial services industry

• 1+ years of experience auditing retail bank

• 1+ years of experience performing data analysis in support of internal auditing

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

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 This email address is being protected from spambots. You need JavaScript enabled to view it.. 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 This email address is being protected from spambots. You need JavaScript enabled to view it.

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

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).

APPLY NOW

At Capital One, we’re building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding.                                               

Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams. Together, we are on a quest to change banking for good.

The Financial Access Educator (FAE) partners with nonprofit organizations to deliver financial capability instruction in the areas of credit, homeownership, small business, savings/budgeting and financial digital literacy. Incorporating behavioral economics and facilitating interactive and robust discussions, FAEs deliver educational seminars and classes and provide one-on-one guided sessions. The FAE’s target audiences are comprised of very low and moderate income adults who are seeking to build their financial resiliency and stability through building and repairing their personal and small business credit, building their savings, improving their money management skills and by learning about digital tools that can help them accomplish these goals.  

Successful candidates will have persuasive and compelling presentation and facilitation skills and will demonstrate confidence in their ability to motivate and inspire program participants to modify their behavior and influence outcomes that lead to more financially stable and resilient outcomes.  Successful candidates will have excellent EQ and interact productively in a group and on-on-one settings with diverse groups of individuals. Successful candidates will be passionate about opportunities to demystify financial issues, are subject matter experts in the areas of credit, savings and money management and are individuals who can meaningfully connect with diverse audiences.

Job Responsibilities:

• Work collaboratively with Community Development Banking team members to identify opportunities to provide financial capability instruction for very low and moderate income individuals
• Lead and facilitate robust educational presentations and seminars in collaboration with nonprofit partners in the areas of Small Business: specifically with participants who are in the early stages of building a business, to understand the interplay between personal and business credit
• Homeownership: specifically with first time homebuyers
• Financial Well-Being: work with consumers to enhance their financial stability through savings and credit
• Encourage very low and moderate income families to save during tax season by supporting partner VITA sites through onsite engagement
• Deliver Capital One’s digital education programs Ready, Set, Bank and Listos, Clic, Avance to a variety of audiences including older adults and Spanish-predominant speakers to help individuals improve their money management skills through availing themselves of digital tools  
• Work collaboratively with team members to manage nonprofit relationships
• Lead all logistics related to FAE programming

The ideal candidate must have:

• Ability to travel throughout the Los Angeles area
• Ability to work evenings and weekends
• Technological proficiency to support presentations and use of digital tools  

• Strong organizational, time management and project management skills

Basic Qualifications:

• Bachelor’s degree or military experience
• 2 years of experience in facilitating training in a classroom environment
• Bilingual in Spanish and English

Preferred Qualifications:

• Master’s degree
• Fluency in digital financial tools and the ability to understand and learn new digital skills and tools
• Content expertise in banking products and landscape of alternative financial providers
• Experience leading or facilitating financial capacity workshops with low income communities
• Expertise helping low income individuals build their credit, grow their savings and managing their finances

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 This email address is being protected from spambots. You need JavaScript enabled to view it.. 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 This email address is being protected from spambots. You need JavaScript enabled to view it.

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

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).

APPLY NOW