Hiring: Senior Credit Analyst - Business Cards & Payments - Hybrid Company: Capital One Location: McLean, VA Job Posted Time: 2026-09-10 12:59:57 Employment Type: Full-time / Hybrid Target Skills & Keywords : Elasticsearch About the job Experience: •2 years of experience in credit underwriting, financial analysis, or commercial lending •1+ years of experience holding credit granting authority such as: individual signing authority •3+ years of experience with underwriting credit products, business credit cards, or commercial credit facilities. •At least 2 years of experience in credit underwriting, financial analysis, or commercial lending Required Skills: •Autonomously and independently manage day-to-day workflow, making well-reasoned credit recommendations on cases up to $2MM exposure. •Utilize a deep understanding of unsecured credit products, credit cards, and credit facilities to assess risk profiles and structure appropriate solutions. •Conduct business interviews to understand client business models, sources of revenue, merchant spend, and future projections. Demonstrate exceptional service in all interactions with clients and internal partners. •Prepare clear, concise analytical credit memos supporting decisions, identifying key credit risks, establishing mitigants, and articulating strong business rationale for any policy or procedural deviations. •Proactively monitor portfolio performance to identify trends and ensure alignment with risk expectations. •Adhere to all applicable regulations, policy guidelines, and expected execution standards. •An Ideal Candidate Would Possess •High level of intellectual curiosity with a drive to independently solve complex problems. Qualifications: •Bachelor's Degree or Military experience •At this time, Capital One will not sponsor a new applicant for employment authorization for this position. •McLean, VA: $96,500 - $110,100 for Sr. Commercial Credit Analyst •Richmond, VA: $87,700 - $100,100 for Sr. 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 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 Compensation: •$96,500 - $110,100 / 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!