• Job Description

  Req#: R170980
  Center 1 (19052), United States of America, McLean, Virginia

  Analyst, Underwriter & Portfolio Manager - RCB

  The Underwriting and Portfolio Management organization is responsible for working with internal partners to manage the existing portfolio of loans and underwrite new transactions. 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 Regional Commercial Bank.

  Regional Commercial Bank

  The Regional Commercial Bank is a business line that services clients within our traditional retail branch network, which includes VA, MD, DC, NYC, LI, NJ, TX and LA. The RCB portfolio consists of 550+ clients and over $7Billion in credit exposure.

  As an Analyst, Underwriter & Portfolio Manager, 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:

  • Prepare the majority of the credit approval document - evaluate borrowers and credit facilities by performing financial statement analysis, reviewing spreads, calculating adherence to compliance statements & loan covenants, and assessing the overall risk within the client’s business, industry, customer base and geography

  • Demonstrate ownership of the assigned portfolio of existing customers with minimal guidance

  • Support market underwriters on their portfolios by independently completing annual reviews, renewals and various loan modifications, while ensuring compliance with credit policies and procedures

  • Prepare financial models where needed; understand model mechanics and perform research and analysis of industry/market data

  • Work with internal partners to coordinate closing process requirements

  • Independently handle basic credit documents and shadow market underwriters on reviewing and negotiating complex legal documentation

  • Ensure portfolio data is accurate, timely, and complete to ensure strong quality and reporting capabilities

  • Prepare for Portfolio Reviews and present account updates to senior leadership during such reviews.

  • Provide meaningful contributions to internal meetings, including deal review, pipeline and SCO meetings

  • Build relationships across functions and businesses to foster collaboration between partner groups

  • 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 2 years of experience in credit underwriting or at least 2 years of experience in portfolio management or at least 2 years of experience in asset management

  Preferred Qualifications:

  • Bachelor's Degree in Accounting, Finance, or other relevant fields

  • 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.

  #UWPM

  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.

  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).

• About the company

  Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.

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