Capital One
Analyst, Specialty Underwriting & Portfolio Manager - REIT
Capital One, Charlotte, North Carolina, United States, 28245
* Perform due diligence on industry and company performance; synthesize research and begin to draw conclusions; may start to lead due diligence calls with clients and/or legal* Perform thorough financial analysis and identify disparities, risks, and creative ways to mitigate risk* Prepare financial / cash flow modeling inputs with little guidance; understand model mechanics and consider overrides or exceptions* Analyze appropriate structuring options considering collateral and borrower valuation* Write and prepare majority of the credit approval document; provide meaningful contribution to internal meetings, including deal discussions and pipeline meetings* Coordinate and complete closing process requirements* Support senior underwriters in reviewing and negotiating legal documentation* Communicate with external constituents; exhibit a sense of urgency toward meeting client requests* Demonstrate basic understanding of credit documents; with some guidance, contribute to term sheets structuring, prepare commitment letters and review legal documents* Demonstrate ownership of a portfolio of existing customers with minimal guidance; may take on more complex or higher volume of accounts* Complete annual reviews and both material and non-material modifications independently and on time* Monitor quarterly reporting and financial statements and determine upgrades or downgrades to risk ratings* 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* Escalate and resolve problem accounts in partnership with other teams and specialists* Build relationships across function and business to foster collaboration between partner groups* Mentor and train rotational analysts and new hires* Conduct ad hoc analyses and participate in internal initiatives to ensure the business is well-managed and operates efficiently* Bachelor’s Degree or Military Experience* At least 2 years of experience in credit underwriting or portfolio management in commercial real estate or cash flow lending.* Bachelor's Degree in Accounting, Finance, or other relevant fields* 3+ years of credit underwriting and/or portfolio management experience* High attention to detail and strong work ethic* Ability to work independently as well as collaboratively in a team environment* Excellent business writing and verbal communication skills* Strong time management skills and ability to manage multiple deals/projects* High level of proficiency in Google Suite or Microsoft OfficeCapital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the . Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.
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