Analyst, Speciality Underwriter & Portfolio Manager

About the Role

This role supports the Commercial Healthcare Real Estate lending team within Capital One Commercial Banking. As an Analyst, Underwriting & Portfolio Management, you are expected to perform responsibilities with minimal oversight, balancing support for Commercial Bank growth with maintaining a scalable, well-managed business.

Key Responsibilities

Underwriting Responsibilities

• Perform due diligence on industry and company performance, synthesize research, and draw conclusions.
• Lead diligence calls.
• Perform thorough financial analysis, identify disparities, risks, and propose mitigation strategies.
• Prepare financial modeling inputs with minimal guidance, understand model mechanics, and consider overrides.
• Analyze appropriate structuring options considering collateral.
• Write and prepare credit approval documents.
• Contribute meaningfully to internal meetings, including deal review and pipeline meetings.
• Coordinate and complete closing process requirements.
• Shadow senior underwriters on reviewing and negotiating legal documentation.
• Communicate with external constituents and respond to client requests with urgency.
• Provide feedback on term sheets, commitment letters, and fee letters with guidance.
• Prepare pricing models for complex deal structures and understand pricing drivers.

Portfolio/Asset Management Responsibilities

• Demonstrate ownership of a portfolio of existing customers with minimal guidance.
• Complete annual reviews and both material and non-material modifications independently.
• Monitor and determine upgrades or downgrades to risk ratings.
• Ensure compliance with credit policies and procedures for existing accounts.
• Respond to requests from internal and external stakeholders.
• Ensure portfolio data accuracy, timeliness, and completeness for quality and reporting.
• Escalate and resolve problem accounts in partnership with other teams.

Additional Responsibilities

• Build relationships across functions and business units to foster collaboration.
• Participate in internal initiatives to ensure business management and efficiency.

Requirements & Tech Stack

• Advanced fundamentals of credit risk management.
• Ability to identify and escalate trends or anomalies in deals or the portfolio.
• Experience with Excel, VBA, Google Scripts, and/or SQL.

Qualifications

• Bachelor’s Degree or Military Experience.
• At least 2 years of experience in credit underwriting, portfolio management, or commercial real estate.
• Preferred: Bachelor's Degree in Accounting, Finance, or other relevant fields.
• Preferred: Previous experience in underwriting or portfolio or asset management.
• Preferred: Completed coursework or training in commercial real estate & credit risk management.