Analyst, Specialty Underwriter & Portfolio Manager
Analyst, Specialty Underwriter & Portfolio Manager
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$ 127500 - 145500
1 Vacancy
Job Description
The Underwriting and Portfolio Management organization is responsible for working with internal partners to underwrite new transactions and manage the existing portfolio of loans. Our Underwriters and Portfolio Managers balance supporting the Commercial Banks growth and ensuring we have a scalable wellmanaged business. This role supports the REIF/Real Estate Fund Finance Group within Commercial Real Estate.
Commercial Real Estate (CRE)
As an Analyst Underwriting & Portfolio Management you have advanced beyond the fundamentals of credit risk management and are expected to perform most responsibilities with minimal oversight. In addition to identifying risks and mitigants you begin to identify and escalate trends or anomalies on individual deals or within the portfolio.
Responsibilities:
Perform due diligence on industry and company performance; synthesize research and begin to draw conclusions; may start to lead diligence calls
Perform thorough financial analysis and identify disparities risks and creative ways to mitigate risk
Prepare financial modeling inputs with little guidance; understand model mechanics and consider overrides or exceptions
Analyze appropriate structuring options considering collateral and borrower valuation
Write and prepare majority of the credit approval document; provide meaningful contribution to internal meetings including deal review and pipeline meetings
Coordinate and complete closing process requirements
Begin to shadow more senior underwriters on reviewing and negotiating legal documentation
Communicate with all external constituents; exhibit a sense of urgency toward meeting client requests
Prepare term sheets commitment letters and fee letters with guidance; basic understanding of credit documents.
Demonstrate ownership of a portfolio of existing customers with minimal guidance; may take on more complex or higher volume of accounts
Complete annual reviews and both material and nonmaterial modifications independently and on time
Monitor and determine upgrades or downgrades to risk ratings
Ensure compliance with credit policies and procedures for existing accounts
Respond to requests from all internal and external stakeholders
Ensure portfolio data is accurate timely and complete to ensure strong quality and reporting capabilities
Escalate and resolve problem accounts in partnership with other teams and specialists
Build relationships across function and business to foster collaboration between partner groups
Mentor and train rotational analysts and new hires
Participate in internal initiatives to ensure the business is wellmanaged and operates efficiently
Basic Qualifications:
Bachelors Degree or Military Experience
At least 2 years of experience in credit underwriting portfolio management or commercial real estate
Preferred Qualifications:
Bachelors Degree in Accounting Finance or other relevant fields
Previous experience in underwriting or portfolio or asset management
Completed coursework or training in commercial real estate & credit risk management
Highlevel understanding of Excel VBA Google Scripts and/or SQL
** At this time Capital One will not sponsor a new applicant for employment authorization for this position.
#UWPM
The minimum and maximum fulltime 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 parttime roles will be prorated based upon the agreed upon number of hours to be regularly worked.
Cambridge MA: $127500 $145500 for Analyst Specialty Underwriter & Portfolio ManagerCandidates 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 wellbeing. Learn more at theCapital One Careers website. Eligibility varies based on full or parttime status exempt or nonexempt status and management level.
This role is expected to accept applications for a minimum of 5 business days.No agencies please. Capital One is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy childbirth or related medical conditions) race color age national origin religion disability genetic information marital status sexual orientation gender identity gender reassignment citizenship immigration status protected veteran status or any other basis prohibited under applicable federal state or local law. Capital One promotes a drugfree 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 23A of the New York Correction Law; San Francisco California Police Code Article 49 Sections; 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 ator via email at . 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
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Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).
Required Experience:
Manager
Employment Type
Full-Time
