Business Underwriting Associate, Business Cards & Payments( Hybrid)

• The Business Cards & Payments (BC&P) organization is committed to fueling the courageous entrepreneurial spirit that's at the heart of America's business owners and offer products and services to help them do more business.

  We've built an organization that is focused on listening to and learning from the millions of business customers we serve every day to make sure our products, services and experiences work as hard as they do. The name of our organization reflects our current leadership position in Small Business and Commercial Cards - as well as our aspiration to serve a wide range of needs for our customers Beyond the Card. We are a culture that dreams big and embraces an entrepreneurial and ownership spirit - just like our business customers.

  We are seeking a motivated and fast learner with good quantitative, analytical, and communication skills to be accountable for a portfolio of credit line decisions up to $750K 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 loan 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 $750K exposure and maintain individual signing authority up to $150K exposure

  • Conduct business interviews to understand client business model, sources of revenue, merchant spend, and future projections

  • Assess business financial performance against policy guardrails

  • Exceptional interpersonal, verbal communication and writing skills

  • Evaluate future business growth potential, market competitiveness, and industry risks

  • Prepare clear, concise analysis supporting credit memos that recommend decisions and address rationale for any deviations from loan policy, procedures and guidelines

  • Identify and mitigate key credit risks

  • Maintain satisfactory level of portfolio losses while meeting expectations of loan revenues

  • Adhere to all applicable regulations and the expected execution standards

  • 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

  An ideal candidate would possess:

  • Strong quantitative, analytical, problem solving and conceptual skills

  • Examples of demonstrated leadership 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 2025 or earlier.

  At this time, Capital One will not sponsor a new applicant for employment authorization, or offer any immigration related support for this position (i.e. H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, or another type of work authorization).

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

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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).