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Commercial Credit Officer

Capital One


Location:
McLean, VA
Date:
05/25/2017
Job Code:
capitalone2-R25205
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Job Details

Company Capital One

Job Title: Commercial Credit Officer

JobID: capitalone2-R25205

Location: McLean, VA, 22106, USA

Description: McLean 1 (19050), United States of America, McLean, Virginia



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.



Commercial Credit Officer



**Summary:** Responsible for Credit Administration and Delegated Credit Approvals of Commercial Loan Portfolio for Healthcare Real Estate. Credit Administration Duties include:



+ Delegated Credit Approvals for new Loans, Amendments and Modifications

+ Implementing and emphasizing policy issues.

+ Delegated Annual Reviews

+ Directing CSCRM involvement in quarterly portfolio reviews and industry level analysis (Medical Properties, Senior Housing and Skilled Nursing)

+ Managing risk rating analysis for new Loans and existing exposures



**Responsibilities:**



+ Approving new loans and amendments and modifications at delegated levels. For loans above delegated levels, provide recommendation to approve or decline to the final approval authority.

+ Responsible for oversight of Healthcare Real Estate Portfolios.

+ Evaluates loan proposals for potential approval assessing the credit risks, pricing yield to the bank, portfolio implications, risk rating, policy compliance, and loan structure.

+ Provides input on policy changes to the Credit Policy Department and administers the Credit Policy in approval decisions and through oversight of the lenders administration of their portfolio.

+ Determines materiality of Amendments to Credits approved or Extensions of Exceptions on Credits for all Households in the Region. Approves Amendments and extensions within authority.

+ Researches documentation issues with Legal counsel as regards the exceptions or amendments to commercial loans being booked. Determines materiality of issues based on Legal Counsel and advises commercial Loan Processing.

+ Provide feedback to assist in the training and directing of Credit Analysts in their role of preparing credit proposals, learning risk assessment, analysis of financial information, and developing credit skills.

+ Conduct and participate in quarterly portfolio reviews to help assess the quality and status of loan portfolio. Provides input and data on loans approved, past due trends, status of annual reviews of households, and other credit administration issues

+ Assists in preparation of annual budget and manpower planning for Loan Officer Development recruiting. Reviews monthly the department expense reports. Duties and responsibilities may vary based on region.



**Basic Qualifications:**



+ Bachelors Degree in Accounting or Finance preferred.

+ 7 years of combined experience in Credit Administration or Commercial Lending.

+ 10 years of total professional experience.



**Preferred Qualifications:**



+ 10 years of combined experience in Credit Administration or Commercial Lending.



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



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.                                               


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