Senior Manager, Commercial Credit Review

Company: Discover Financial Services
Location: Charlotte
Posted on: March 16, 2026

Job Description:

Capital One’s Credit Review organization is a third line of defense function that is responsible for providing an independent assessment of the Company’s credit quality, key and emerging risks, and credit process execution to the Risk Committee of the Board of Directors and other stakeholders. Commercial Credit Review is seeking a Senior Manager who will participate in and/or lead continuous testing and targeted review activities within assigned portfolios. The commercial portfolio includes, but is not limited to, Middle Market Banking, Commercial Real Estate, Healthcare, Financial Institutions, Municipal Finance, Energy, Counterparty Credit, Capital Markets, Leveraged Lending and Special Assets. The Senior Manager will contribute towards the execution of the annual Credit Review plan and work cross-functionally across Credit Review teams in the process. This associate will also be responsible for building and maintaining working relationships with line of business management and key associates within Risk Management. Primary responsibilities include: Completing transactional testing to assess the appropriateness of client selection, quality of underwriting, effectiveness of borrower monitoring and accuracy of risk ratings Analyzing portfolio composition to identify trends and risks and provide an opinion on portfolio quality Participating in or leading Targeted Reviews to assess key risks in a given portfolio or across portfolios Identifying gaps in credit policy, credit processes, and credit risk rating models Identifying key and emerging risks Effectively communicating results to executive level management, regulators and other key stakeholders Building and maintaining effective working relationships across all three lines of defense Acting as an approachable advisor to business heads and key lenders by developing continuous and effective communication channels for all stakeholders. Ability to provide business leadership and partnering skills to help drive the organization towards critical decisions and deliverable results. May be asked to develop and execute against monitoring plans May be asked to assist in or lead the completion of quarterly Business Assessment Reports May be asked to lead special projects Basic Qualifications: Bachelor’s degree or Military experience At least 8 years of direct transactional credit experience (underwriting, workout, risk management, credit review or regulatory) Preferred Qualifications: Prior experience with Commercial Real Estate lending, including Structured Finance, Unitranche, and Debt Fund products Master’s degree Certified Financial Analyst (CFA) OR Certified Public Accountant (CPA) Ability to support conclusions through fact-based analysis and ability to influence senior leaders; strong written and verbal communication skills Excellent credit analysis and financial analysis skills Strong organizational skills Ability to manage multiple complex tasks while delivering high quality results Leadership experience and strong leadership skills Demonstrated experience in identifying, assessing and reporting on existing and emerging risks Experience with direction applicability to Credit Review responsibility Ability to navigate across a large organization and work with cross-functional teams At this time, Capital One will not sponsor a new candidate 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. Charlotte, NC: $182,500 - $208,300 for Sr. Credit Review Manager McLean, VA: $200,700 - $229,100 for Sr. Credit Review Manager New York, NY: $219,000 - $249,900 for Sr. Credit Review Manager Plano, TX: $182,500 - $208,300 for Sr. Credit Review Manager Richmond, VA: $182,500 - $208,300 for Sr. Credit Review Manager 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. 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 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 (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. 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 RecruitingAccommodation@capitalone.com . 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 Ones recruiting process, please send an email to Careers@capitalone.com Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site. 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).

Keywords: Discover Financial Services, Rock Hill , Senior Manager, Commercial Credit Review, Accounting, Auditing , Charlotte, South Carolina