Analyst, Underwriter & Portfolio Manager - Regional Commercial Bank

Capital One; Plano (TX); On-site; USD 119,000 - 136,000; Full time

Job summary

Capital One is seeking an Analyst, Underwriting & Portfolio Management for the Regional Commercial Bank. You will perform due diligence, financial analysis, and credit structuring to support loan growth while managing risk across the portfolio.

You’ll advance from fundamentals, escalating trends, and collaborating with internal partners. The role includes drafting credit documents, supporting closing, and mentoring rotational analysts in a fast-paced, client-focused environment.

Qualifications

• Bachelor’s Degree or Military Experience.
• At least 2 years of experience in credit underwriting, portfolio management or asset management.
• Experience collaborating with internal partners and document drafting is a plus.

Responsibilities

• Perform due diligence on industry and company performance; synthesize research.
• Perform thorough financial analysis and identify disparities, risks, and mitigation options.
• Prepare financial modeling inputs and understand model mechanics.

Skills

Credit underwriting

Portfolio management

Asset management

Education

Bachelor’s degree or Military Experience

Job description

Analyst, Underwriter & Portfolio Manager - Regional Commercial Bank

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.

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
• 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.

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: $119,400 - $136,200 for Analyst, Underwriter & Portfolio Manager

McLean, VA: $131,300 - $149,800 for Analyst, Underwriter & Portfolio Manager

Plano, TX: $119,400 - $136,200 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 (https://www.capitalonecareers.com/benefits) . 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.