Credit Analyst - Spring/Summer 2027 - Business Cards & Payments - Hybrid
About the role
Full-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 One's hybrid working model.
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About Business Cards & Payments (BC&P)
Build the Future: At BC&P, we bring a builder's mindset to work, just like the business owners we serve. Small businesses are a different kind of customer. They're the people turning ideas into opportunities, and opportunities into livelihoods. When we build for them, we build something bigger. That's why we have a high bar for quality. We own the work end to end, turning today's insights into tomorrow's results, together.
- We're relentlessly curious.
- We ask the hard questions.
- We make space for the best ideas to win.
Because that's how we create impact we can be proud of.
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:
- Currently has, or is in the process of obtaining, a Bachelor's degree or higher with an expectation that you will complete your most recent full-time degree program by
May 2027 or earlier.
Not included in the source posting: qualifications, benefits.
Skills
Who can apply
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