Associate, Specialty Underwriter & Portfolio Manager (Financial Institutions Group)

Capital One
Great Falls, VA
Jan 22, 2022
Jan 24, 2022
Full Time
Bethesda Metro Center (17049), United States of America, Bethesda, MarylandAssociate, Specialty Underwriter & Portfolio Manager (Financial Institutions Group)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 Financial Institutions Group (FIG).FIG is an industry specialized group supporting a national lender finance business with approximately $13B in commitments, which include Subscription Finance, Leveraged Loans, ABL, and Equipment Leasing.As an Associate, Underwriting & Portfolio Management, you have advanced beyond the fundamentals of credit risk management and are expected to perform most responsibilities with minimal oversight. In addition to identifying risks and mitigants, you begin to identify and escalate trends or anomalies on individual deals or within the portfolio.Primary responsibilities may include:Demonstrate ownership of a portfolio of existing customers with minimal guidance; may take on more complex or higher volume of accountsComplete annual reviews and both material and non-material modifications independently and on timeMonitor and determine upgrades or downgrades to risk ratingsEnsure compliance with credit policies and procedures for existing accountsRespond to requests from all internal and external stakeholdersEnsure portfolio data is accurate, timely, and complete to ensure strong quality and reporting capabilitiesEscalate and resolve problem accounts in partnership with other teams and specialistsPerform due diligence on industry and company performance; synthesize research and begin to draw conclusions; may start to lead diligence callsPerform thorough financial analysis and identify disparities, risks, and creative ways to mitigate riskPrepare financial modeling inputs with little guidance; understand model mechanics and consider overrides or exceptionsAnalyze appropriate structuring options considering collateral and borrower valuationWrite and prepare credit approval documents; provide meaningful contribution to internal meetings, including deal review and pipeline meetingsCoordinate and complete closing process requirementsBegin to shadow more senior underwriters on reviewing and negotiating legal documentationCommunicate with all external constituents; exhibit a sense of urgency toward meeting client requestsAdditional Responsibilities may include:Build relationships across function and business to foster collaboration between partner groupsMentor and train rotational analysts and new hiresParticipate in internal initiatives to ensure the business is well-managed and operates efficientlyBasic Qualifications:Bachelor's Degree or Military ExperienceAt least 3 years of experience in credit underwriting or at least 3 years of experience in portfolio management or at least 3 years of experience in asset managementPreferred Qualifications:Bachelor's Degree in Accounting, Finance, or other relevant fields5+ years of experience in credit underwriting or portfolio management or asset managementStrong verbal and written communication skills with external clients and internal associatesAt 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@. 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@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).