Capital One
Analyst, Speciality Underwriter & Portfolio Manager - Healthcare Real Estate
Capital One, Chicago, Illinois, United States, 60290
Overview
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 Bank’s growth and ensuring we have a scalable, well-managed business. This role supports the Commercial Healthcare Real Estate lending team. Capital One Healthcare Real Estate is a part of Capital One Commercial Banking, which leverages a relationship-based banking model that delivers an array of products and services including loans and deposit accounts, treasury management services, merchant services, investment banking, international services and correspondent banking. As an Analyst, 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 underwriting responsibilities
Perform due diligence on industry and company performance; synthesize research and begin to draw conclusions; may start to lead diligence calls Perform thorough financial analysis and identify disparities, risks, and creative ways to mitigate risk Prepare financial modeling inputs with little guidance; understand model mechanics and consider overrides or exceptions Analyze appropriate structuring options considering collateral Write and prepare credit approval documents; provide meaningful contribution to internal meetings, including deal review and pipeline meetings Coordinate and complete closing process requirements Begin to shadow more senior underwriters on reviewing and negotiating legal documentation Communicate with all external constituents; exhibit a sense of urgency toward meeting client requests Provide feedback on term sheets, commitment letters and fee letters with guidance; basic understanding of credit documents Prepare pricing model for complex deal structures and begin to understand drivers for pricing model outputs Primary portfolio or asset management responsibilities
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 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 Additional responsibilities
Build relationships across function and business to foster collaboration between partner groups Participate in internal initiatives to ensure the business is well-managed and operates efficiently Qualifications
Basic
– Bachelor’s Degree or Military Experience Experience
– At least 2 years of experience in credit underwriting, portfolio management or commercial real estate 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 commercial real estate & credit risk management High-level understanding of Excel, VBA, Google Scripts and/or SQL At this time, Capital One will not sponsor a new applicant for employment authorization for this position. Capital One does not sponsor for employment authorization in this position. This role is also eligible to earn performance-based incentive compensation, which may include cash bonuses and/or long-term incentives (LTI). Incentives could be discretionary or non-discretionary depending on the plan. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level. Location-based compensation information
The minimum and maximum full-time annual salaries for this role are listed below, by location. Salaries for part-time roles will be prorated based upon the agreed-upon number of hours to be regularly worked. Chicago, IL: $119,400 - $136,200 for Analyst, Specialty Underwriter & Portfolio Manager. McLean, VA: $131,300 - $149,800 for Analyst, Specialty Underwriter & Portfolio Manager. Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter. This role is also eligible to earn incentives. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level. This role is expected to be open to applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with applicable laws regarding criminal background inquiries. If you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and used only to provide needed reasonable accommodations. For technical support or questions about Capital One's recruiting process, please email Careers@capitalone.com. Capital One does not provide, endorse nor guarantee third-party products or services available through this site. Capital One Financial is made up of several entities. Any position posted in Canada is for Capital One Canada, in the United Kingdom for Capital One Europe, and in the Philippines for Capital One Philippines Service Corp. (COPSSC).
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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 Bank’s growth and ensuring we have a scalable, well-managed business. This role supports the Commercial Healthcare Real Estate lending team. Capital One Healthcare Real Estate is a part of Capital One Commercial Banking, which leverages a relationship-based banking model that delivers an array of products and services including loans and deposit accounts, treasury management services, merchant services, investment banking, international services and correspondent banking. As an Analyst, 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 underwriting responsibilities
Perform due diligence on industry and company performance; synthesize research and begin to draw conclusions; may start to lead diligence calls Perform thorough financial analysis and identify disparities, risks, and creative ways to mitigate risk Prepare financial modeling inputs with little guidance; understand model mechanics and consider overrides or exceptions Analyze appropriate structuring options considering collateral Write and prepare credit approval documents; provide meaningful contribution to internal meetings, including deal review and pipeline meetings Coordinate and complete closing process requirements Begin to shadow more senior underwriters on reviewing and negotiating legal documentation Communicate with all external constituents; exhibit a sense of urgency toward meeting client requests Provide feedback on term sheets, commitment letters and fee letters with guidance; basic understanding of credit documents Prepare pricing model for complex deal structures and begin to understand drivers for pricing model outputs Primary portfolio or asset management responsibilities
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 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 Additional responsibilities
Build relationships across function and business to foster collaboration between partner groups Participate in internal initiatives to ensure the business is well-managed and operates efficiently Qualifications
Basic
– Bachelor’s Degree or Military Experience Experience
– At least 2 years of experience in credit underwriting, portfolio management or commercial real estate 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 commercial real estate & credit risk management High-level understanding of Excel, VBA, Google Scripts and/or SQL At this time, Capital One will not sponsor a new applicant for employment authorization for this position. Capital One does not sponsor for employment authorization in this position. This role is also eligible to earn performance-based incentive compensation, which may include cash bonuses and/or long-term incentives (LTI). Incentives could be discretionary or non-discretionary depending on the plan. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level. Location-based compensation information
The minimum and maximum full-time annual salaries for this role are listed below, by location. Salaries for part-time roles will be prorated based upon the agreed-upon number of hours to be regularly worked. Chicago, IL: $119,400 - $136,200 for Analyst, Specialty Underwriter & Portfolio Manager. McLean, VA: $131,300 - $149,800 for Analyst, Specialty Underwriter & Portfolio Manager. Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter. This role is also eligible to earn incentives. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level. This role is expected to be open to applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with applicable laws regarding criminal background inquiries. If you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and used only to provide needed reasonable accommodations. For technical support or questions about Capital One's recruiting process, please email Careers@capitalone.com. Capital One does not provide, endorse nor guarantee third-party products or services available through this site. Capital One Financial is made up of several entities. Any position posted in Canada is for Capital One Canada, in the United Kingdom for Capital One Europe, and in the Philippines for Capital One Philippines Service Corp. (COPSSC).
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