Analyst, Specialty Underwriting and Portfolio Manager - CRE

About the role

The Underwriting and Portfolio Management organization works closely with internal partners to underwrite new transactions and manage the existing portfolio of loans. This role supports the REIF/Real Estate Fund Finance Group within Commercial Real Estate.

Responsibilities

• Perform due diligence on industry and company performance; synthesize research and begin to draw conclusions; may start to lead diligence calls
• Thoroughly analyze financial data and identify risks, mitigants, and creative solutions to address them
• Create financial models with minimal guidance; understand model mechanics and consider overrides or exceptions
• Develop appropriate loan structures considering collateral and borrower valuation
• Write and prepare the majority of the credit approval document; contribute meaningfully to internal meetings, including deal review and pipeline meetings
• Coordinate and complete closing process requirements
• Shadow more senior underwriters on reviewing and negotiating legal documentation
• Communicate with all external constituents; demonstrate urgency in meeting client requests
• Prepare term sheets, commitment letters, and fee letters with guidance; gain a basic understanding of credit documents
• Take on a portfolio of existing customers with minimal guidance; may handle more complex or higher volume accounts
• Conduct annual reviews and modifications independently and on time
• 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
• Escalate and resolve problem accounts in partnership with other teams and specialists
• Mentor and train rotational analysts and new hires
• Participate in internal initiatives to ensure the business is well-managed and operates efficiently

Requirements

• Bachelor's Degree or equivalent military experience
• At least 2 years of experience in credit underwriting, portfolio management, or commercial real estate
• Preferred qualifications include a Bachelor's Degree in Accounting, Finance, or related field, completed coursework or training in commercial real estate & credit risk management, fluency in Microsoft Office or Google Suite, and previous experience in underwriting or portfolio management

Qualifications

• Bachelor's Degree or equivalent military experience
• At least 2 years of experience in credit underwriting, portfolio management, or commercial real estate
• Preferred qualifications include a Bachelor's Degree in Accounting, Finance, or related field, completed coursework or training in commercial real estate & credit risk management, fluency in Microsoft Office or Google Suite, and previous experience in underwriting or portfolio management

Skills

• Advanced credit risk management skills
• Strong analytical and financial modeling abilities
• Excellent communication and interpersonal skills
• Ability to work independently and as part of a team
• Proficiency in Microsoft Office or Google Suite

Benefits

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.

Pay

Salaries for this role vary by location and are listed below:

• Cambridge, MA: $131,300 - $149,800
• Charlotte, NC: $119,400 - $136,200
• McLean, VA: $131,300 - $149,800

Schedule

This role is full-time.