Senior Manager, Regional Commerical Bank- Underwriting & Portfolio Management
- Employer
- Capital One
- Location
- McLean, Virginia
- Closing date
- Jun 22, 2021
View more
- Industry
- Financial Services and Banking
- Function
- Finance
- Hours
- Full Time
Job Details
Senior Manager, Regional Commerical Bank- Underwriting & Portfolio Management
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 Regional Commercial Bank
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.
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.
Company
We Don’t Only Think Big Things—At Capital One, We Do Big Things.
You’re dedicated to your career. You deserve professional satisfaction and personal fulfillment. You belong at Capital One.
Here, every day brings another chance to do impactful work that matters: helping millions of customers confidently manage their money, building stronger communities and delivering truly disruptive tech. You’ll give your all alongside some of the brightest, most resilient people in the industry—and in return, you’ll enjoy the growth opportunities, support, flexibility and benefits you need for an exhilarating life both on and off the job.
Be inspired. Be yourself. That’s #LifeAtCapitalOne.
Creating a Culture of Belonging
At Capital One, we value diversity, inclusion and belonging at our core. We’re building a place of belonging—where everyone can feel seen, heard, valued and free to be their authentic selves. We want to be a place of opportunity—where associates from all backgrounds innovate for our customers and communities, and build meaningful, fulfilling careers.
We endeavor to be a welcoming and inspiring place for all. We seek and embrace diversity. And we’re committed to having a diverse and inclusive workforce, focused on increasing the representation of underrepresented groups, strengthening our culture of inclusion and belonging and harnessing our scale to invest in our communities.
We’re focused on three core principles to advance diversity, inclusion and belonging across Capital One:
Create a culture of belonging where everyone can thrive and innovate
Attract and develop talent from all backgrounds and experiences
Ensure our systems and programs promote fairness and equity
Get a career with more at Capital One. Discover it for yourself today.
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, sexual orientation, gender identity, protected veteran status, disability or other protected status.
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