AVP - Portfolio Management/Underwriting Associate - Financial Institutions Group

Bethesda, MD
Jul 11, 2018
Jul 25, 2018
Finance, Management
Full Time
At Capital One, we're building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding. Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams. Together, we are on a quest to change banking for good. * Collaborate with new business to transition prospects to clients via the loan closing process. Assist in the review and approval of loan documentation to ensure the documents meet agreed upon business terms and Capital One credit approval guidelines prior to closing and funding. * Monitor and enforce ongoing Borrower compliance with all loan terms and documentation, including periodic advance requests. * Review periodic collateral reporting (borrowing base) for data integrity and compliance. * Spread and analyze financial statements, budgets, tax returns, cash flow statements, and collateral reports of Borrowers and Guarantors. * Track financial and collateral performance of the Borrower through monitoring trends, cash flow analysis, key economic indicators and industry specific data. * Determine the proper risk rating for all facilities in accordance with policy guidelines and complete the required paperwork for any subsequent rating changes. * Facilitate internal and external credit reporting. Communicate directly with senior management as to the performance of the portfolio. * Perform on-site due diligence, as applicable. * Assist in underwriting and closing of amendments, restructurings and extensions, as needed. Complete annual review and credit approval modification documents as required. * Understand and promote bank products. * Maintain and promote client relationships. * Foster an open dialogue and strong working relationship with Loan Operations and Treasury Management. * Understand and employ all policies and procedures of the Bank. Remain up-to-date on all bank compliance regulatory policies and procedures and on all pending and proposed regulatory changes affecting bank compliance. * Research industries and market conditions in connection with financial/credit analysis. * Bachelor's Degree or Military Experience. * At least 4 years of commercial finance experience, * CPA or MBA * Asset based lending or real estate experience * Underwriting or credit focus * Financial analysis expertise * Proficiency with Microsoft Office Suite * Strong interpersonal skills and the ability to communicate in a concise and clear manner with clients and internally, both orally and in writing * Ability to learn, understand and master the Capital One Financial commercial loan systems

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