Analyst, Specialty Underwriting and Portfolio Management - FIG

Capital One; Chicago (IL); On-site; USD 119,000 - 136,000; Full time

Job summary

Capital One is seeking an Analyst in Chicago to join the Financial Institutions Group's Underwriting and Portfolio Management team. The role supports risk assessment, loan monitoring, and client onboarding while preparing credit materials and approvals.

You will analyze borrower performance, enforce covenants, and coordinate with underwriting and portfolio managers to safeguard loan performance. Strong Excel and communication skills are valued.

Qualifications

• Bachelor's Degree or Military Experience required.
• 2+ years of financial analysis, budgeting, or financial modeling experience.
• Strong analytical and technology aptitude.

Responsibilities

• Perform financial and collateral analysis and prepare reporting on performance trends and indicators.
• Monitor Borrower compliance with loan terms, covenants, and reporting requirements.
• Assist underwriters and portfolio managers in risk identification and resolution.

Skills

Financial analysis

Communication

Analytical thinking

Problem solving

Education

Bachelor's Degree in Accounting, Finance, or related field

Bachelor's Degree or Military Experience

Tools

Excel

Job description

The Financial Institutions Group (FIG) has an opening for an Analyst to join our growing Underwriting and Portfolio Management organization. The Analysts monitor, analyze and report on Borrower performance data and ensure compliance in accordance with the terms of the loan agreements and internal policies. The position supports Underwriters and Portfolio Managers with risk identification and problem resolution including the preparation of risk ratings and approval materials. The Analyst serves as the primary day to day contact with FIG clients and assists in onboarding and approval of loan collateral to facilitate borrowing requests.

Responsibilities

• Perform financial and collateral analysis. Prepare reporting on performance trends, key indicators and industry specific data.
• Monitor and enforce ongoing Borrower compliance with all loan terms and documentation. Ensure specific Borrower compliance with financial & portfolio covenants and reporting requirements.
• Demonstrate ownership of a portfolio of existing customers with minimal guidance
• Escalate and resolve problem accounts in partnership with other teams and specialists
• Build relationships across functions and businesses to foster collaboration between partner groups
• Complete annual reviews and non-material modifications independently and on time
• Write and prepare loan modification documents including credit approval memos for existing clients, with supervision.
• Shadow senior underwriters on reviewing and negotiating legal documentation
• Review and approve periodic Borrowing Bases and advance requests.
• Facilitate internal and external portfolio reporting.
• Understand and employ all policies and procedures of the Bank. Remain up-to-date on all bank compliance regulatory policies and procedures and on all pending and proposed regulatory changes affecting bank compliance.
• Ensure data integrity of information in the COF commercial loan systems.
• Understand and promote bank products.
• Maintain and promote client relationships.

Basic Qualifications

• Bachelor's Degree or Military Experience
• At least 2 years of experience in financial analysis, budgeting or financial modeling

Preferred Qualifications

• Bachelor's Degree in Accounting, Finance, or other relevant fields
• Previous experience in banking, commercial finance or asset management
• Formal training in credit risk management
• Strong analytical and technology aptitude
• Ability to communicate verbally in a concise and clear manner with clients, peers and fellow associates.
• Advanced Excel skills
• At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

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 performance based incentive compensation, which may include cash bonus(es) 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. 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 accept applications for a minimum of 5 business days.

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 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.