West Creek 2 (12072), United States of America, Richmond, Virginia

　　Business Underwriting Associate

　　Small Business Card is one of the fastest growing businesses within Capital One. That growth is powered by our highly skilled underwriting team that makes account decisions for our most valuable clients. 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 $350K 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 $350K exposure and maintain individual signing authority up to $150K exposureConduct business interviews to understand client business model, sources of revenue, merchant spend, and future projectionsAssess business financial performance against policy guardrailsEvaluate future business growth potential, market competitiveness, and industry risksPrepare clear, concise analysis supporting credit memos that recommend decisions and address rationale for any deviations from loan policy, procedures and guidelinesIdentify and mitigate key credit risksMaintain satisfactory level of portfolio losses while meeting expectations of loan revenuesAdhere to all applicable regulations and the expected execution standardsRequest additional business and personal information to address key identified risksDemonstrate exceptional service in all interactions with clients and partnersMonitor portfolio performance to identify trends and alignment to expectations

　　Ideal Candidate:

　　Ability to prioritize assignments and multi-task with strong attention to detailDemonstrated experience working collaborativelyStrong analytical, problem-solving, verbal and interpersonal skills

　　Basic Qualifications:

　　Currently has, or is in the process of obtaining, a Bachelors or higher with an expectation that degree will be obtained by July 2024 or earlier.

　　Preferred Qualifications:

　　Related Coursework in Finance, Accounting, Statistics or EconomicsIn process of obtaining a Bachelor's Degree or higher in Economics, Accounting, Finance1+ years of experience in financial statement analysis1+ years of experience preparing financial information or 1+ year of experience interpreting financial performanceLeadership experience

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

　　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.

　　This role is expected to accept applications for a minimum of 5 business days.

　　No agencies please. Capital One is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable federal, state or local law. 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 at [email protected]. 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 [email protected]

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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).