Analyst, Specialty Underwriting and Portfolio Management - FIG

Capital One; McLean (VA); On-site; USD 131,000 - 150,000; Full time

Job summary

Capital One is seeking an Analyst in the Financial Institutions Group (FIG) to support underwriting and portfolio management. You will analyze borrower performance, prepare risk ratings, and assist in onboarding and approval of loan collateral to facilitate borrowing requests.

The role involves collaboration across teams, ongoing compliance, and preparing loan modification documents under supervision. Ideal candidates have at least 2 years of financial analysis experience and strong Excel, with

Qualifications

• Bachelor's Degree or Military Experience.
• At least 2 years of experience in financial analysis, budgeting or financial modeling.
• Advanced Excel skills and strong analytical abilities.

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.
• Shadow senior underwriters on reviewing and negotiating legal documentation.

Skills

Analytical

Technology aptitude

Communication

Education

Bachelor's degree in Accounting, Finance, or other relevant fields

Tools

Advanced Excel skills

Job description

Analyst, Specialty Underwriting and Portfolio Management - FIG

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

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.

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 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.

Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

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).

At Capital One, we’re building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit.