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Capital One Associate Specialty Underwriter & Portfolio Manager United Kingdom, England, Cambridge 550217315
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As an Associate, 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.
Primary underwriting responsibilities may include:
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 credit approval documents; provide meaningful contribution 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 for CRE master repurchase agreements and note on note financings
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
Prepare pricing model for complex deal structures and begin to understand drivers for pricing model outputs
Perform debt fund or mortgage REIT due diligence with a general understanding of the strategy and business plan
Primary portfolio or asset management responsibilities may include:
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
Additional Responsibilities may include:
Build relationships across function and business 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 3 years of experience in credit underwriting, portfolio management, or commercial real estate
Preferred Qualifications:
Bachelor's Degree in Accounting, Finance, or Economics
5+ years of experience in credit underwriting, portfolio management, or commercial real estate
. 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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