Director, Commercial Risk, Underwriting – Portfolio Management

Capital One

Capital One commercial risk director leading regulatory governance for commercial underwriting and portfolio management. Advising leaders, managing remediation, and ensuring commercial credit processes meet regulatory expectations.

Posted 9/2/2026full-timeRichmond • North Carolina, Virginia • 🇺🇸 United StatesLead💰 $187,300 - $235,100 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates extensive regulatory expertise in commercial credit matters, with a strong focus on compliance, risk evaluation, and strategic advisory roles. Proven ability to lead regulatory initiatives and ensure adherence to documentation and reporting requirements.

Highest-signal resume keywords

Regulatory ExpertiseCommercial Credit AdvisoryRisk Evaluation and AdjudicationProject Management SkillsStrong Communication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Regulatory ReportingCommercial UnderwritingPortfolio ManagementRisk RatingsShared National CreditsLeveraged LendingCash Flow LendingReal Estate LendingRegulatory DocumentationRegulatory Compliance

Soft Skills

Written CommunicationOral Communication

Industry Keywords

Commercial BankingRegulatory BodyOffice of the Comptroller of the CurrencyFederal Reserve BankRegulatory RelationsCredit ReviewCommercial RiskAudit

About the role

Key responsibilities & impact

Serve as the business unit’s resident expert on regulatory matters surrounding commercial credit topics
Monitor regulatory expectations and inform the business unit of anticipated regulatory actions or shifts in expectations
Create strategies with Commercial Risk, Credit Review, and Regulatory Relations teams to address key changes
Advise on regulatory reporting changes and drive conformance to related requirements
Ensure Commercial Underwriting and Portfolio Management processes and governance routines conform to regulatory and enterprise expectations
Ensure regulatory documentation requirements are met and support positive Credit Review and regulatory exam results
Establish a framework for evaluating transactions from Credit Review and regulatory perspectives
Act as in-business counsel and go-to resource for UW&PM teams at the transaction level
Lead the UW&PM organization’s regulatory agenda, including recurring routines and targeted regulatory reviews
Respond to and remediate escalated findings with Commercial Risk, Regulatory Relations, Credit Review, and Audit teams
Liaise between UW&PM and the broader Commercial Fraud organization
Manage multiple complex initiatives using project management and planning skills

Requirements

What you’ll need

Bachelor’s degree or military experience
At least 8 years of experience within a regulatory body such as the Office of the Comptroller of the Currency, Federal Reserve Bank, or a regulatory advisory role at a commercial bank
Strong regulatory expertise and extensive experience advising management on commercial credit matters
Experience with commercial credit topics including risk ratings, evaluation and adjudication of credits, shared national credits, and leveraged lending
Preferred: at least 10 years of experience in a regulatory role within the commercial banking industry
Preferred: experience across lending products including cash flow lending, real estate lending, or structured products
Preferred: strong written and oral communication skills
Must not require new employment authorization sponsorship from Capital One

Benefits

Comp & perks

Performance-based incentive compensation, which may include cash bonus(es) and/or long-term incentives (LTI)
Comprehensive, competitive, and inclusive health, financial, and other benefits supporting total well-being
Reasonable accommodations for applicants who require them