10000 Avalon (41014), United States of America, Alpharetta, Georgia

Specialty Underwriter & Portfolio Manager - Sr Manager level - Technology, Media & Telecom

The Underwriting and Portfolio Management organization is responsible for working with internal partners to underwrite new transactions and manage the existing portfolio of loans. Our Underwriters and Portfolio Managers balance supporting the Commercial's Bank's growth and ensuring we have a scalable, well-managed business. This role supports the Technology, Media & Telecom team.

As an Underwriter & Portfolio Manager, you begin to demonstrate subject matter expertise in credit risk management and are expected to perform responsibilities independently. In addition to your own job duties, you may play a leadership role across deal teams by guiding and shaping more junior associates. You are trusted with the most complex transactions or solve unique problems because of your experience and job specific skills. #UWPM

Primary underwriting responsibilities may include :

• Lead due diligence process and calls; evaluate industry research to draw relevant conclusions on material strengths, risks, and mitigants
  
• Assist less experienced team members in financial statement analysis and cash flow analysis
  
• Prepare and review financial models independently
  
• Coordinate with deal team on appropriate structuring options or overrides to financial models
  
• Write and prepare all parts of the credit approval document; may review work of less experienced members of the team; begin to take a leadership role in conversations with internal partners
  
• Oversee closing process requirements; review closing memo
  
• Prepare term sheets, commitment letters and fee letters with minimal guidance; understand majority of provisions of all credit documents and can provide rationale; begin to negotiate credit docs with guidance
  
• Drive overall deal process and lead communication with internal and external constituents; constructively improve deal process
  
• Delegate spreading and risk ratings to analysts or contractor teams
  
• Prepare and/or review pricing models independently; understand drivers for pricing model outputs and consider areas for increasing returns
  

Primary portfolio or asset management responsibilities may include :

• Manage a portfolio of accounts independently; review and monitor portfolio accounts' health and performance against expectations; drive customer retention
  
• Proactively anticipate issues, draw parallels from other accounts to own account; resolve problem accounts in partnership with other teams and specialists
  
• Complete annual reviews and both material and non-material modifications independently and on time
  
• Facilitate and leads quarterly portfolio reviews
  
• 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
  

Additional Responsibilities may include:

• Build relationships across function and business to foster collaboration between partner groups
  
• Interact directly with customers to cultivate strong relationships while balancing risk and return
  
• Mentor and train rotational analysts and new hires
  
• Participate in internal initiatives to ensure the business is well-managed and operates efficiently
  

Basic Qualifications:

• Bachelor's Degree or Military Experience
  
• At least 5 years of experience in credit underwriting or at least 5 years of experience in portfolio management or at least 5 years of experience in asset management
  

Preferred Qualifications:

• Bachelor's Degree in Accounting, Finance, or other relevant fields
  
• 7+ years of experience in credit underwriting or portfolio or asset management
  
• Previous leadership (informal or formal) experience with deal teams or analysts
  

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

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, race, color, age, national origin, religion, physical and mental disability, genetic information, marital status, sexual orientation, gender identity/assignment, citizenship, pregnancy or maternity, protected veteran status, or any other status prohibited by applicable national, 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.

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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).