Portfolio Management Credit Manager

Capital Automotive Real Estate Services, Inc.; McLean (VA); Ibrido; USD 90.000 - 130.000; Tempo pieno

Vantaggi offerti da questo lavoro

Remote Fridays

Paid parking

Lunch nearby

Professional development opportunities

Descrizione del lavoro

Capital Automotive Real Estate Services, Inc. is seeking a Credit Manager to join our Portfolio Management team in McLean, VA.

The role focuses on credit underwriting, risk monitoring, and reporting, interfacing with CC/IC memos and quarterly reviews to maintain portfolio health. You will bring 3–5 years of commercial credit or public accounting experience, strong financial analysis, advanced Excel, and the ability to communicate clearly with senior stakeholders in a dynamic, real estate–auto

Competenze

• 3–5 years of commercial credit or public accounting experience.
• Strong financial statement analysis skills and Excel abilities.
• Excellent written and verbal communication for senior stakeholders.

Mansioni

• Evaluate and monitor credit risk for the portfolio.
• Prepare and contribute to CC/IC memos and quarterly reviews.
• Support deal structuring and credit underwriting as needed.
• Improve credit processes and reporting workflows (e.g., using AI).
• Collaborate with Portfolio Management and other departments to ensure compliance.

Conoscenze

Commercial credit

Public accounting

Excel

Financial statement analysis

Communication skills

Formazione

Bachelor's degree in Finance/Accounting

Strumenti

Microsoft Excel

Salesforce

Office Suite

Descrizione del lavoro

Ready to accelerate your career with a company that values initiative, teamwork, and professional development? Capital Automotive (CARS) is searching for a driven and well-rounded Credit Manager to join our dynamic Portfolio Management team. This role will sit at the intersection of credit underwriting, process management and portfolio reporting. You will bring organizational, communication, and problem-solving skills, along with an eye for detail, to the table to help the Portfolio Management team monitor portfolio credit risk. If you have the desire to work with an industry leader focused on fusing automotive lending with real estate and have a knack for building standards and processes, this is the perfect opportunity to make a significant impact.

Reports to: Director of Portfolio Management

Mission Statement

Manage the company's credit processes and resources that support initial and ongoing credit underwriting, training, and best practices. Identify, report on, and mitigate the company's overall portfolio credit risk. Understand and communicate macro industry trends.

• Evaluate, manage, and communicate the credit risk of the portfolio
• Contribute to and maintain credit analysis standards for Credit Committee (CC) & Investment Committee (IC) memos
• Ensure effective and consistent management and execution of quarterly credit reviews (QCR) and enhanced credit reviews (ECR)
• Manage ongoing credit risk assessment including monitoring portfolio for compliance with lease covenants
• Serve as Credit Subject Matter Expert
• Facilitate communication and collaboration on credit matters between portfolio management, CC, IC, and other departments

Transaction Support

• Support the underwriting process on a transactional basis including deal structuring, development and execution of the credit underwriting strategy, and consultation on credit specific legal documentation
• Ensure consistency and accuracy of credit underwriting analysis delivered to CC and IC
• Ad hoc support of pre-LOI credit underwriting

General Duties

• Participant in and serve as the administrator of CC
• Communicate pertinent information proactively to Portfolio Management Leadership
• Prepare quarterly and ad/hoc analysis for lenders and investors
• Enhance company credit related processes, procedures, and capabilities including leveraging use of AI
• Administer and maximize company utilization of Crowe Portfolio Analyzer for Lenders and Salesforce for portfolio credit reporting and credit risk management
• Training/Recruiting support as directed by PM team

Why You Are Going to Love This Job:

• Diverse Responsibilities: Quarterly administration, review and reporting plus ongoing training and transaction support.
• Team Collaboration: Work closely with a dedicated team of professionals who are experts in their field and have direct exposure to all departments at Capital Automotive
• Growth Opportunities: Capital Automotive supports your career development with training, shadowing, and advancement opportunities
• Innovative Environment: Be part of a company that continually adapts and evolves to meet the needs of the automotive retail industry and its clients, including by expanding portfolio investment classes.

Qualifications/Requirements:

We are seeking a candidate with 3–5 years of commercial credit or public accounting experience to support portfolio‑level credit risk management and transaction underwriting. The role focuses on evaluating, monitoring and reporting on tenant credit risk, preparing committee‑level credit analysis, overseeing quarterly and enhanced credit reviews, and supporting deal structuring and credit‑related documentation.

Ideal candidates will have strong financial statement analysis skills, advanced Excel capabilities, and the ability to clearly communicate credit risks and recommendations to senior stakeholders. Experience with portfolio level analysis, covenant compliance, and credit reporting systems is preferred. Automotive dealership industry experience is a plus but not required.

• Education: Bachelor’s degree in Finance, Accounting, or relevant business field
• Work experience: A minimum of three years of commercial credit or public accounting experience.
• Technical competencies: Experience with Microsoft Office Suite, including intermediate to advanced level in Microsoft Excel
• Strong organizational, time management, and written and oral communication skills required.

About Us

Capital Automotive is a truly unique company that is invested in the development and personal growth of every employee. We have a collegial, open-door environment with significant learning opportunities for many aspects of commercial real estate. We offer competitive pay and benefits; a work from home policy that permits regular remote Fridays; additionally, the company currently provides paid parking and lunch at several delis/cafes in the immediate vicinity of the office in addition to other unique perks.

As the first company solely focused on providing highly tailored sale-leaseback capital to the automotive retail industry, Capital Automotive has exclusively supported automobile dealers since 1997. The company’s stock was publicly traded on NASDAQ through December of 2005 when we completed a privatization with DRA Advisors LLC. In February 2022, Capital Automotive was acquired by Ares Management.

Through custom tailored real estate finance, we have assisted dealer groups in growing their organizations, acquiring new locations, upgrading existing facilities, constructing new stores, and facilitating estate planning and partner buyouts. In many situations, we have aided dealers by maximizing liquidity and flexibility.

Our creation was a collaboration between automobile dealers and experts in real estate and finance. Since inception, our team of professionals has developed and maintained relationships throughout the industry that have provided us with an in-house level of expertise unparalleled in the marketplace. By listening to our clients and prospects, we continue to add new products and tailor existing products to better serve the auto retail industry.

Credit monitoring, portfolio reporting, credit underwriting, financial statement analysis, independence, business writing, commercial credit, portfolio management, project management, process management, Microsoft Excel, Salesforce Office Suite, Microsoft Word, problem-solving, initiative, oral and written, communication, time management, detail orientation, audit