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Capital One · 1 day ago

Analyst, Specialty Underwriting and Portfolio Manager

Cambridge, MA

Full-time

Onsite

Entry, Mid Level

$131K/yr - $150K/yr

2+ years exp

Capital One is a financial services company, and they are seeking an Analyst for their Specialty Underwriting and Portfolio Management team. This role involves underwriting new transactions and managing an existing portfolio of loans, with responsibilities including financial analysis, credit document preparation, and risk management.

BankingCredit CardsFinanceFinancial Services

Comp. & Benefits

No H1B

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 majority of the credit approval document; 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

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 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

Qualification

Credit underwritingPortfolio managementFinancial analysisCommercial real estateFinancial modelingMicrosoft OfficeGoogle SuiteRisk managementCommunication skillsMentoring