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 mitigate risk
• Create financial models with minimal guidance; understand model mechanics and consider overrides or exceptions
• Analyze structuring options considering collateral and borrower valuation
• Write and prepare major portions of the credit approval document; contribute meaningfully to internal 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; develop a basic understanding of credit documents
• Take on responsibility for 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
• Respond to requests from all internal and external stakeholders; ensure portfolio data accuracy, timeliness, and completeness
• 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 efficient business 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, 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

• Basic understanding of credit documents and ability to prepare term sheets, commitment letters, and fee letters
• Ability to communicate effectively with external constituents and meet client requests
• Strong analytical skills and attention to detail
• Effective communication and interpersonal skills
• Ability to work independently and as part of a team

Skills

• Advanced credit risk management skills
• Financial analysis and modeling skills
• Collaboration and relationship-building skills
• Problem-solving and decision-making skills
• Attention to detail and accuracy

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, ranging from $119,400 - $149,800 annually for Analyst, Specialty Underwriter & Portfolio Manager positions in Cambridge, MA, Charlotte, NC, and McLean, VA. Incentives could include cash bonuses and/or long-term incentives, which may be discretionary or non-discretionary depending on the plan.

Schedule

This role is expected to accept applications for a minimum of 5 business days. No agencies please.