Analyst, Specialty Underwriting and Portfolio Manager - CRE
About the role
The Underwriting and Portfolio Management organization works 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; identify risks, disparities, and creative mitigation strategies
- Create financial models with guidance; consider overrides or exceptions
- Develop appropriate loan structures considering collateral and borrower valuation
- Write and prepare major portions of credit approval documents; contribute to internal meetings, including deal reviews and pipeline meetings
- Coordinate and complete closing process requirements
- Shadow more senior underwriters on reviewing and negotiating legal documentation
- Communicate with external parties; prioritize meeting client requests
- Prepare term sheets, commitment letters, and fee letters with guidance; gain a basic understanding of credit documents
- Manage a portfolio of existing customers with minimal supervision; may handle more complex or high-volume accounts
- Conduct annual reviews and modifications; monitor and adjust risk ratings
- Evaluate compliance with credit policies and procedures for existing accounts
- Resolve issues with problem accounts in collaboration with other teams and specialists
- Build relationships across functions and businesses to foster collaboration
- Mentor and train new analysts and hires
- Engage in internal initiatives to ensure efficient operations
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; coursework or training in commercial real estate and credit risk management; fluency in Microsoft Office or Google Suite
Qualifications
- Basic understanding of credit documents and legal documentation
- Ability to communicate effectively with external constituents
- Strong analytical and organizational skills
- Proficiency in Microsoft Office or Google Suite
Skills
- Advanced credit risk management
- Financial analysis and modeling
- Collaboration and relationship building
- Communication and client service
Benefits
Comprehensive benefits package including health, financial, and other support programs. Performance-based incentive compensation may include cash bonuses and/or long-term incentives.
Pay
Salaries for this role range from $119,400 to $149,800 annually, depending on location. For more details, see the "Pay" section above.
Schedule
Full-time positions are available. Part-time roles may be offered based on the agreed-upon number of hours to be regularly worked.
Benefits
Capital One offers a wide range of benefits designed to support your total well-being. Learn more at the Capital One Careers website.