The Underwriting and Portfolio Management organization is responsible for underwriting new transactions and managing the existing portfolio of loans. Our Underwriters and Portfolio Managers work with both internal partners and external stakeholders in order to support the Commercial's Bank's growth while ensuring we have a scalable, well-managed business. This role supports the Real Estate Investment Trust ("REIT") and/or Real Estate Investment Funds ("REIF") businesses, such as private funds, non-traded REITs or publicly-traded REITs. These businesses originate entity-level unsecured loans, such as facilities with unencumbered asset pools, within Commercial Real Estate.
Commercial Real Estate
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 due diligence calls with clients and/or legal
Perform thorough financial analysis and identify disparities, risks, and creative ways to mitigate risk
Prepare financial / cash flow 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 discussions and pipeline meetings
Coordinate and complete closing process requirements
Support senior underwriters in reviewing and negotiating legal documentation
Communicate with external constituents; exhibit a sense of urgency toward meeting client requests
Demonstrate basic understanding of credit documents; with some guidance, contribute to term sheets structuring, prepare commitment letters and review legal 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 non-material modifications independently and on time
Monitor quarterly reporting and financial statements 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
Conduct ad hoc analyses and participate in internal initiatives to ensure the business is well-managed and operates efficiently
Basic Qualifications:
Bachelor's Degree or Military Experience
At least 2 years of experience in credit underwriting or portfolio management in commercial real estate or cash flow lending
Preferred Qualifications:
Bachelor's Degree in Accounting, Finance, or Economics
3+ years of credit underwriting or portfolio management experience
High attention to detail and strong work ethic
Ability to work independently as well as collaboratively in a team environment
Excellent business writing and verbal communication skills
Strong time management skills and ability to manage multiple deals or projects
High level of proficiency in Google Suite or Microsoft Office
***At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at theCapital 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 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 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 City's Fair Chance Act; Philadelphia's 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 One's recruiting process, please send an email to Careers@capitalone.com
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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).
