Senior Associate, Commercial Policy & Innovation
Category Risk Management
Experience Sr. Associate
Primary Address New York, New York
OverviewNYC 299 Park Avenue (22957), United States of America, New York, New YorkSenior Associate, Commercial Policy & Innovation
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.
Principal Associate, Commercial Policy & Innovation
Capital One’s Commercial Policy & Innovation (P&I) Team, housed within the Credit Risk and Analytics (CR&A) Division, is responsible for Risk Governance, Risk Appetite, Credit Risk Policy, and Assurance Exam Management activities for the Commercial Bank. The team’s contribution is critical in providing a foundation for sound credit risk management practices, complying with internal policies and regulations and exhibiting the overall culture of Capital One.
The P&I team strives to continuously enhance the Credit policy framework including its underlying policies, approval processes, governance routines and compliance activities and is seeking a Principal Associate level associate with the right skill set and competencies to join the team.
P&I is seeking a Principal Associate with risk management experience. This person will work together with other members of a dynamic team to deliver a meaningful impact for CR&A and the Commercial Bank. This person will partner with associates across the Commercial Banking businesses and play an integral role within the P&I team, supporting efforts to streamline the credit risk policy framework and implement changes that are strategic and transformative for the firm. The role offers opportunity for significant professional growth and exposure across the Commercial Bank including the Business Lines and Risk Organization.
Specific responsibilities include, but are not limited to:
Challenging the status quo to improve and enhance credit policy, understanding the objective for each policy matter and impact to business
Performing research on regulatory interpretation and leading industry practices relating to commercial lending practices
Formulating and implementing solutions, leveraging technology to enhance credit processes
Managing the credit authority initiation, review, and approval process, and contributing to efforts to automate the end-to-end process
Supporting management of the credit policy lifecycle and communicating changes to stakeholders
Drafting materials, developing communications and providing training related to change initiatives
Helping facilitate key governance forums where senior credit risk stakeholders review and opine on matters that impact the credit risk profile of the Commercial Bank
The P&I team plays a key role in the Commercial Risk Management organization, responsible for the credit risk parameters across our commercial businesses. The P&I Associate will help form a common credit culture and therefore, should possess the following core skills:
Strategic and analytic orientation
Excellent verbal and written communication skills
Highly collaborative orientation and strong team player
Ability to establish credibility, trust and support within all levels of the organization
Aptitude for synthesizing complex issues into a clear and concise summary
Proactive and results-oriented
Strong attention to detail
Bachelor’s degree or Military experience
At least 2 years of experience in a risk management or policy role
At least 4 years of experience in a credit risk management role in a regulated financial institution
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 RecruitingAccommodation@capitalone.com. 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 Careers@capitalone.com
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).
How We Hire
We take finding great coworkers pretty seriously.
Step 1 Apply
It only takes a few minutes to complete our application and assessment.
Step 2 Screen and Schedule
If your application is a good match you’ll hear from one of our recruiters to set up a screening interview.
Step 3 Interview(s)
Now’s your chance to learn about the job, show us who you are, share why you would be a great addition to the team and determine if Capital One is the place for you.
Step 4 Decision
The team will discuss — if it’s a good fit for us and you, we’ll make it official!
How to Pick the Perfect Career Opportunity
Overwhelmed by a tough career choice? Read these tips from Devon Rollins, Senior Director of Cyber Intelligence, to help you accept the right offer with confidence.
Your wellbeing is our priority
Our benefits and total compensation package is designed for the whole person. Caring for both you and your family.
Healthy Body, Healthy Mind
You have options and we have the tools to help you decide which health plans best fit your needs.
Save Money, Make Money
Secure your present, plan for your future and reduce expenses along the way.
Time, Family and Advice
Options for your time, opportunities for your family, and advice along the way. It’s time to BeWell.
Here’s how the team fits together. We’re big on growth and knowing who and how coworkers can best support you.
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