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As a Lead Underwriter & Portfolio Manager, you are considered a deep subject matter expert in credit risk management or commercial lending for a specific line of business. In addition to performing your responsibilities autonomously, you may play a leadership role across deal teams by guiding or shaping less experienced associates. You are trusted to complete complex transactions or solve more unique problems because of your experience and job specific skills.
Primary responsibilities may include:
Lead and compile due diligence to draw conclusions on material current and future risks and mitigants; identify performance drivers, project future performance, and anticipate ability to repay debt; apply industry research across transactions and share key takeaways across the organization
Oversee deal team(s), including delegating and reviewing work, providing feedback, and coaching and developing less experienced member of the team
Leverage deep expertise in industry trends and market analysis to present findings and potential opportunities to senior management with ease
Anticipate questions that will be raised during deal review and approval meetings
Assist and develop procedures to ensure less experienced team members understand financial statement analysis and cash flow analysis
Review financial models independently and incorporate complex structures or nuances
Propose appropriate structuring options in tandem with deal team
Interpret pricing model outputs in context of business return hurdles and consider areas for increasing returns
Write and prepare all parts of the credit approval document independently; identify need for supplemental analysis and discussion; review work of less experienced members of the team
Oversee closing process requirements; review closing memo
Lead documentation process and negotiate provisions of term sheets, commitment letters, and fee letters with internal and external counsel as well as clients
Independently lead all aspects of process for complex deals, including special circumstances, higher approval requirements, and setting overall expectations
Manage most complex or highest risk portfolio of accounts independently including amendments, refinancing, and recaps; review portfolios of less experienced team members; review and monitor health of portfolio accounts, drive customer retention and performance against expectations
Proactively anticipate issues, draw parallels from other accounts to own account; resolve problem accounts in partnership with other teams and specialists
Review and approve annual reviews and both material and non-material modifications
Facilitate and leads quarterly portfolio reviews; prepare watch and criticized reports for quarterly meetings & annual reviews
Review past due reporting, covenants, and payments and remediate with the appropriate party
Ensure portfolio data is accurate, timely, and complete to ensure strong quality and reporting capabilities
Additional Responsibilities may include:
Build relationships across function and business to foster collaboration between partner groups
Interact directly with customers to cultivate strong relationships while balancing risk and return
Consult with legal or Special Assets Department
Mentor and train rotational analysts and new hires
Participate in internal initiatives to ensure the business is well-managed and operates efficiently
Ensure compliance with credit policies and procedures
Basic Qualifications:
Bachelor’s Degree or Military Experience
At least 8 years of experience in credit underwriting or at least 8 years of experience in portfolio management or at least 8 years of experience in asset management
Preferred Qualifications:
Bachelor's Degree in Accounting, Finance, or other relevant fields
10+ years of experience in credit underwriting or portfolio management or asset management
Previous leadership experience with deal teams or analysts
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. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.
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 . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
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