Associate, Specialty Underwriting & Portfolio Management
- Employer
- Capital One
- Location
- Bethesda, Maryland
- Closing date
- Dec 6, 2021
View more
- Industry
- Financial Services and Banking
- Function
- Finance
- Hours
- Full Time
Job Details
Associate, Specialty Underwriting & Portfolio Management
Summary
Seeking detail-oriented professional to support management of portfolio of commercial loans and affiliated bank relationships within the Financial Institutions Group. The Associate will work closely with the origination, underwriting and legal teams on new loan closings and will thereafter maintain ongoing responsibility for borrower performance monitoring, general loan compliance and risk assessment in accordance with COF standards. The Associate is expected to contribute to amendments, modifications and restructuring of existing credit facilities and work closely with senior members in portfolio management and underwriting within the Financial Institutions Group. The Associate will help supervise the day to day work of the Portfolio Analyst.
Responsibilities
● 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 draws under revolving lines of credit.
● Review periodic collateral reporting (borrowing base) for data integrity and compliance.
● Track financial and collateral performance of the Borrower through monitoring trends, cash flow analysis, key economic indicators and industry specific data.
● Identify and mitigate transaction risks. Determine the proper risk rating for all facilities in accordance with policy guidelines and complete the required documentation for any subsequent rating changes, including annual reviews.
● Assist in underwriting and closing of facility renewals, amendments, restructurings and extensions, as needed. Complete credit approval documents as required.
● Facilitate internal and external credit and portfolio 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 facility renewals, amendments, restructurings and extensions, as needed. Complete credit approval documents as required.
● Understand and promote bank products.
● Maintain and promote client relationships.
● 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.
Basic Qualifications
● Bachelors Degree in Finance or Accounting
● At least 3 years of commercial finance, auditing or other financial analysis experience
● Proficiency with Microsoft Office Suite
Preferred Qualifications
● Bachelors Degree in Finance or Accounting (CPA or MBA a plus)
● 5+ years of commercial finance, auditing or other financial analysis experience
● Commercial Credit training
● Advanced Excel skills
● Strong interpersonal skills and the ability to communicate in a concise and clear manner with clients and internally, both orally and in writing
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.
If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com
Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.
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).
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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