About the role
Key Role Details
- Full-time new hires for this role will start as a cohort in April or July 2027 depending on the graduation date.
- This role is a full-time associate position.
- Participation in the program requires that you are located in the continental United States with in-person attendance at your assigned location, in accordance with Capital One’s hybrid working model.
About Business Cards & Payments (BC&P)
Build the Future: At BC&P, we bring a builder's mindset to work, just like the business owners we serve. Small businesses are a different kind of customer. They're the people turning ideas into opportunities, and opportunities into livelihoods. When we build for them, we build something bigger. That's why we have a high bar for quality. We own the work end to end, turning today's insights into tomorrow's results, together.
- We're relentlessly curious.
- We ask the hard questions.
- We make space for the best ideas to win.
Because that's how we create impact we can be proud of.
We are seeking a motivated, fast learner with good quantitative, analytical, and communication skills to be accountable for a portfolio of credit line decisions up to $1M 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 exposure 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 $1M exposure
- Assess business financial performance against policy guardrails
- Exceptional interpersonal, verbal communication, and writing skills
- Conduct business interviews to understand client business model, sources of revenue, merchant spend, future projections, market competitiveness, and industry risks
- Prepare clear, concise analysis supporting credit memos that recommend decisions and address rationale for any deviations from credit policy, procedures and guidelines
- Identify and mitigate key credit risks
- 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
- Adhere to all applicable regulations and the expected execution standards
An ideal candidate would possess:
- Strong quantitative, analytical, problem solving, conceptual skills, 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 2027 or earlier.
At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.
Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being.
This role is expected to accept applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. 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. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
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).
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