Hiring: Director | Small Business Bank Lending Operations Company: Capital One Location: Plano, TX Job Posted Time: 2026-09-16 13:05:45 Employment Type: Full-time Target Skills & Keywords : Elasticsearch, Risk Management About the job Experience: •8 years of experience in Commercial and/or Small Business Credit Analysis and Underwriting •3 years of Direct People Management experience •10+ years of Commercial and/or Small Business Credit Analysis and Underwriting experience •5+ years of Direct People Management experience •At least 8 years of experience in Commercial and/or Small Business Credit Analysis and Underwriting Required Skills: •Lead the day-to-day credit analysis and underwriting operations across conventional lending, SBA, and CDFI/mission-driven loan portfolios. •Exercise credit approval authority to evaluate, structure, and decision complex credit requests. •Maintain and refine departmental procedures and business continuity plan •Partner with the Credit Intent Team and the second line to refine credit policies, underwriting guidelines, and risk-rating methodologies across all product lines •Monitor overall portfolio health, industry concentration risks, and credit trends to proactively address emerging risk factors. •Serve as the primary point of contact for internal credit audits, SBA reviews, and regulatory examinations. •Partner cross-functionally with sales, risk, compliance, legal, and special assets teams to ensure seamless deal execution and risk management alignment. •Mentor and develop a team of credit analysts and underwriters, driving analytical rigor and technical excellence in cash flow modeling and collateral valuation. Qualifications: •Bachelor’s Degree or Military experience •Prior experience holding formal Individual Lending Authority (ILA) •Master’s Degree or MBA •Expertise in SBA (7(a) and 504) underwriting requirements and CDFI lending frameworks •Completion of a formal bank credit training program •At this time, Capital One will not sponsor a new applicant for employment authorization for this position. •Richmond, VA: $209,500 - $239,100 for Director, Small Business Banking Workout •Plano, TX: $209,500 - $239,100 for Director, Small Business Banking Workout •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. Compensation: •$209,500 - $239,100 / year •This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI) Interested candidates, please apply directly through the job posting on company's career page or try via AI auto apply on this platform. Don't miss this opportunity to join a forward-thinking team!