You must be within 50 miles driving distance from one of our Capital One hub locations in Plano, TX,  Richmond, VA or Charlotte, NC.

Capital One Commercial Client Operations (CCO) is looking for candidates to support the growing Commercial Loan Operations Closing Team. The team supports day to day operations of loans pertaining to unique or niche industries that require special handling and industry knowledge. The primary function is loan closing and funding within the various lines of business that compriseMiddle Market and Municipal Banking. The role includes analytical components (i.e. interpreting credit agreements) related to various loan/fee accruals, calculations as well as ongoing/ad-hoc reconciliation and remediation, and driving the closing process for commercial loan products, which include new loans, modifications and extensions. 

The Senior Associate will be the primary contact and decision maker for all aspects of the corporate loan closing process. The ability to learn quickly, think critically,  and to adapt to change are important skills to the role, as well as excellent verbal and written communication skills and product knowledge. Additionally, important is the ability to clearly convey complex concepts and issues in a concise way; as well work collaboratively among stakeholders to help facilitate ongoing change management – all while living our core values.

Primary functions of the role include:

• Review complex loan documents, drive deal closing calls that include internal and external deal team members and counsel

• Ensure legal documentation accurately reflects the intentions of the credit approval

• Facilitate teamwork and continuity

• Solid knowledge required for the role and pursues gaining new knowledge when required

• Positively accept and champion change, and engage productively with the team and relevant stakeholders

• Effectively problem solve and influence strategic initiatives

• Ensure transactions are closed in compliance with the Bank’s loan policy and any other requirements designated by the credit approval

• Work with Relationship Manager/Underwriter to understand the transaction and make sure that all relevant documentation is obtained for a timely closing

• Liaise and coordinate pre-closing requirements with internal and external clients (Underwriter, Relationship Manager, Borrowers, Agent Banks)

• Demonstrate ability to balance required regulatory and policy requirements when making decisions

• Remain current on all pending and proposed regulatory changes affecting compliance

• Ensure Know Your Customer “KYC” requirements have been met prior to closing a transaction

• Resolve issues that might impede closing and use judgment to involve the manager and internal counsel when required

• Complete post-closing steps to ensure that all necessary documentation is received by downstream partners

• Monitor and clear loan exceptions; respond to audit requests

• Book and fund new loans and related activities in the loan accounting system

• Perform process quality reviews of work such as cash break analysis and comprehensive testing of system enhancements

• Develop, design, and follow inter-departmental controls and risk reducing processes

• Prepare and submit periodic departmental, team, and metric reports

• Maintain accuracy and customer satisfaction as the singular priority

Work from Home Technology Requirements:

• A secure home office environment that is free from background noise and distractions

• A reliable private internet connection that is not supplied via cellular data or hotspot 

  • A private network that is password protected where you have ownership or line of sight to every device on the network

  • Internet service must be provided by Cable or fiber Internet Service Provides (ISP) 

  • Hotspots and satellite services are prohibited and do not meet performance criteria required for optimal agent/customer interactions

  • ISP download speeds on VPN must be at least 5Mbps, with 10+ Mbps preferred

  • To validate ISP speeds from a Chrome browser, go to, type Speed Test and run from the Google landing page

• Both Hardwire and WiFi internet connections are acceptable as long as speed and security requirements are met

Capital One reserves the right to request proof of internet provider, speed and service package from the associate. Requirements are subject to change, as new systems and technology are delivered. Capital One reserves the right to modify internet service requirements with sixty (60) days notice. Internet Service Provider specs can change by provider and location within the US. If you are experiencing consistent issues with internet stability Capital One reserves the right to ask the agent to upgrade internet service to ensure a good customer experience.

Work from Home Living Requirements:

• Candidates must live within approximately 50 miles of one of the hub locations based in 75024, 23238 or 28203 and be comfortable coming in person whenever required with no less than 24 hours notice. 

Basic Qualifications:

• High School Diploma, GED or equivalent certification

• At least 2 years of Loan Closing or Loan Servicing experience in Commercial or Business Banking

Preferred Qualifications:

• Bachelor’s Degree or Military experience

• 3+ years of Commercial Loan Closing or Commercial Loan Servicing experience

• 3+ years of Loan Syndication (agent or participant) experience 

• 1+ years of experience with ACBS

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

#CommOps

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.

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 candidate’s offer letter.

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.