Analyst, Specialty Underwriting and Portfolio Manager - CRE

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 non-material 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 well-managed and operates efficiently

• Bachelor’s Degree or Military Experience
• At least 2 years of experience in credit underwriting, portfolio management or commercial real estate

• Bachelor's 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
• Fluency in either Microsoft Office or Google Suite

** At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

Cambridge, MA: $131,300 - $149,800 for Analyst, Specialty Underwriter & Portfolio Manager

Charlotte, NC: $119,400 - $136,200 for Analyst, Specialty Underwriter & Portfolio Manager

McLean, VA: $131,300 - $149,800 for Analyst, Specialty Underwriter & Portfolio Manager

Candidates 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 candidate’s 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 well‑being. Learn more at the Capital 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 (EOE, including disability/vet) committed to non‑discrimination in compliance with applicable federal, state, and local laws. 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…