Credit Analyst - Spring/Summer 2027 - Business Cards & Payments - Hybrid

Credit Analyst - Spring/Summer 2027 - Business Cards & Payments - Hybrid Credit Analyst - Spring/Summer 2027 - Business Cards & Payments - Hybrid Key Role Details 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 .

Location: Richmond, VA or McLean, VA (Only)   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.    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 candidate’s