Credit Analyst - Summer 2026 - Business Cards & Payments

Credit Analyst - Summer 2026 - Business Cards & Payments

Key Role Details

Full-time new hires for this role will start as a cohort in July 2026. 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: McLean, VA or Richmond, VA

The Business Cards & Payments (BC&P) organization is committed to fueling the courageous entrepreneurial spirit that's at the heart of Americas business owners and offer products and services to help them do more business.

Weve built an organization that is focused on listening to and learning from the millions of business customers we serve every day to make sure our products, services and experiences work as hard as they do. The name of our organization reflects our current leadership position in Small Business and Commercial Cards - as well as our aspiration to serve a wide range of needs for our customers beyond the card. We are a culture that dreams big and embraces an entrepreneurial and ownership spirit - just like our business customers.

We are seeking a motivated and fast learner with good quantitative, analytical, and communication skills to be accountable for a portfolio of credit line decisions up to $750K 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 loan 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 $750K exposure and maintain individual signing authority up to $150K exposure
• Conduct business interviews to understand client business model, sources of revenue, merchant spend, and future projections
• Assess business financial performance against policy guardrails
• Exceptional interpersonal, verbal communication and writing skills
• Evaluate future business growth potential, market competitiveness, and industry risks
• Prepare clear, concise analysis supporting credit memos that recommend decisions and address rationale for any deviations from loan policy, procedures, and guidelines
• Identify and mitigate key credit risks
• Maintain satisfactory level of portfolio losses while meeting expectations of loan revenues
• Adhere to all applicable regulations and the expected execution standards
• 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

An ideal candidate would possess:

• Strong quantitative, analytical, problem solving and conceptual skills
• Examples of demonstrated leadership and team-oriented traits

Basic Qualifications:

• Currently has, or is in the process of obtaining, a Bachelors degree or higher with an expectation that you will complete your most recent full-time degree program by May 2026 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: $80,100 - $91,400 for Commercial Credit Analyst

Richmond, VA: $72,800 - $83,100 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 candidates 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.

Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York Citys Fair Chance Act; Philadelphias Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital Ones recruiting process, please send an email to Careers@capitalone.com.