Credit Analyst - Spring/Summer 2027 - Business Cards & Payments - Hybrid
Credit Analyst - Spring/Summer 2027 - Business Cards & Payments - Hybrid
Key Role DetailsFull-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 One27s.
Position Location: Richmond, VA or McLean, VA (Only)
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:
At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.
McLean, VA: $81,700 - $93,300 for Commercial Credit Analyst
Richmond, VA: $74,200 - $84,700 for Commercial Credit Analyst
Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate27s offer letter.
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. Learn more at theCapital 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.
