Analyst, Underwriter & Portfolio Manager - Regional Commercial Bank

Capital One; Charlotte (NC); On-site; USD 115,000 - 133,000; Full time

Job summary

A leading financial institution is seeking an Analyst, Underwriter & Portfolio Manager for its Regional Commercial Bank. This role involves performing financial analysis, conducting due diligence, and preparing pricing models while mentoring junior analysts. Candidates should possess a bachelor's degree and some experience in credit underwriting or asset management. Opportunities for growth and competitive salaries are offered.

Benefits

Comprehensive health benefits

Performance based incentive compensation

Career development opportunities

Qualifications

• At least 2 years of experience in credit underwriting, portfolio management or asset management.
• Completed coursework or training in credit risk management.

Responsibilities

• Perform due diligence on industry and company performance.
• Prepare financial modeling inputs with little guidance.
• Analyze appropriate structuring options considering collateral.

Skills

Financial analysis

Risk assessment

Financial modeling

Communication

Education

Bachelor’s Degree or Military Experience

Bachelor's Degree in Accounting, Finance

Job description

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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 Regional Commercial Bank.

Regional Commercial Bank

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.

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 and borrower valuation
• Prepare pricing model for complex deal structures and begin to understand drivers for pricing model outputs
• Write and prepare the majority of the credit approval document; provide meaningful contributions 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
• Prepare term sheets, commitment letters and fee letters with guidance; basic understanding of credit 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 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 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, portfolio management or 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

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

Charlotte, NC: $115,900 - $132,200 for Analyst, Underwriter & Portfolio Manager

McLean, VA: $127,500 - $145,500 for Analyst, 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.

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 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 [e-mail]. 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 [e-mail]

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).

Seniority level

• Seniority level

  Entry level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

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