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Analyst, Underwriting and Portfolio Management

Employer
Capital One
Location
Bethesda, Maryland
Closing date
Jan 29, 2022

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Job Details

Bethesda Metro Center (17049), United States of America, Bethesda, Maryland

Analyst, Underwriting and Portfolio Management

Summary

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 Security Finance team within our Financial Institutions Group business.

The Security Finance team provides financing solutions to companies in the physical security sector, including alarm monitoring, video surveillance, access control and other related businesses. The incumbent will assist in the structuring, underwriting and closing of senior secured term loans, revolving credit facilities and asset-based loans. Responsibilities include, but are not limited to, transaction due diligence, collateral analysis, cash flow modeling, credit approval, legal documentation review, and closing. The individual will primarily underwrite new transactions and manage and monitor existing portfolio accounts.

Primary underwriting responsibilities may include :
  • Perform due diligence on industry and company performance; summarize findings & identify risks and mitigants
  • Analyze financial statements and spreads for credit strengths and risks; provide recommendations to mitigate risks
  • Prepare financial modeling inputs with guidance i.e. valuation, pricing, etc.
  • Evaluate structural enhancements and Capital One product offerings with guidance from deal team or relationship manager
  • Write and prepare credit approval documents; participate in presentations to credit officers
  • Work with internal partners to assist with closing process requirements
  • Prepare term sheets, commitment letters and fee letters with guidance; basic understanding of credit documents


Primary portfolio or asset management responsibilities may include :
  • Demonstrate ownership of a portfolio of existing customers with minimal guidance
  • Complete annual reviews and both material and non-material modifications on time with limited supervision
  • Monitor and determine upgrades or downgrades to risk ratings
  • Ensure compliance with credit policies and procedures for existing accounts
  • Respond to requests from internal audit and compliance
  • Ensure portfolio data is accurate, timely, and complete to ensure strong quality and reporting capabilities


Additional Responsibilities may include :
  • 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 1 year of experience in financial statement analysis
  • At least 1 year of experience in financial modeling


Preferred Qualifications:
  • Bachelor's Degree in Accounting, Finance, or other relevant fields
  • Previous experience in underwriting or portfolio or asset management
  • Completed coursework or training in credit risk management


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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