Executive Engineering Leader - Card Technology
Capital One Card Technology is seeking an Executive Engineering Leader to join our Card Technology Leadership team. Capital One is a leading provider of credit cards to consumers and small businesses. From the beginning, we've challenged the status quo. We were the first company to democratize credit card products across America. We have diversified our business, enhanced our technology and analytics, and delivered breakthrough products for customers and clients in the U.S., United Kingdom, and Canada. Over 51,000 associates serve millions of customers every day. We are a Fortune 100 leader, a nationally-recognized brand, and a digital innovator on a journey to become a leading information-based technology company.
We are constantly innovating on behalf of our customers and we are committed to using the power of technology to provide our 65 million customers with breakthrough financial services products that make a difference in their lives. Capital One Card Technology builds and continuously improves all the technology to enable an industry-leading credit card business including: intelligent marketing, customer acquisition and credit decisioning, machine-learning enabled fraud prevention, multi-channel account servicing, and innovative new travel and shopping capabilities. We are all-in on the cloud, and this provides the compute and storage capabilities we need to meet our massive scale and to power our machine learning enabled applications. We use modern engineering approaches and modern cloud-native architectures. We have built a world-class engineering organization by recruiting the best technology talent in financial services. In Capital One Card Technology you'll be part of a big group of makers, breakers, doers and disruptors, who love to solve real problems and meet real customer needs.
As an Executive Engineering Le
Small Business Underwriter III
We are seeking motivated Small Business underwriters that not only bring solid commercial underwriting experience to continue to push the underwriting team's capabilities and high rigor in credit risk management; but also are innovative and adaptive to the needs of this dynamic space.
Underwrites and approves, conditions, or declines new loan requests and renewals up to the limit of his/her commercial loan authority in accordance with Capital One Bank loan policy and portfolio performance objectives. Maintains up to $1,000,000 in commercial loan authority for secured and unsecured loans.
Underwrites and then recommends approval on loan requests that are in excess of his/her commercial loan authority. These requests are submitted to either an Underwriting Manager or Credit Officer for final approval.
May oversee Small Business Lenders I and II with feedback regarding the quality and completeness of credit approval memos, loan structure, policy knowledge, and credit scoring; and act as back up for Underwriting Managers
Provides - and ensures his/her assigned group of underwriters provide - outstanding service to business bankers and branch managers. Works with Small Business Bankers in structuring loan requests in a manner which will best mitigate lending risks while meeting borrower needs.
Delivers - and ensures his/her assigned group of underwriters deliver - a great overall customer experience working closely with the Business Loan Advocates that are accountable of the end to end loan process from application to funding.
Ensures appropriate application of all bank and line of business policies and procedures; supporting and driving adherence to regulatory com