Analyst – Specialty Underwriting and Portfolio Management

Analyst, Specialty Underwriting and Portfolio Management - FIG

The Financial Institutions Group (FIG) has an opening for an Analyst to join our growing Underwriting and Portfolio Management organization.  The Analysts monitor, analyze and report on Borrower performance data and ensure compliance in accordance with the terms of the loan agreements and internal policies.  The position supports Underwriters and Portfolio Managers with risk identification and problem resolution including the preparation of risk ratings and approval materials. The Analyst serves as the primary day to day contact with FIG clients and assists in onboarding and approval of loan collateral to facilitate borrowing requests.    

Responsibilities

• Perform financial and collateral analysis. Prepare reporting on performance trends, key indicators and industry specific data.  

• Monitor and enforce ongoing Borrower compliance with all loan terms and documentation. Ensure specific Borrower compliance with financial & portfolio covenants and reporting requirements.

• Demonstrate ownership of a portfolio of existing customers with minimal guidance 

• Escalate and resolve problem accounts in partnership with other teams and specialists

• Build relationships across functions and businesses to foster collaboration between partner groups

• Complete annual reviews and non-material modifications independently and on time 

• Write and prepare loan modification documents including credit approval memos for existing clients, with supervision.

• Shadow senior underwriters on reviewing and negotiating legal documentation

• Review and approve periodic Borrowing Bases and advance requests. 

• Facilitate internal and external portfolio reporting.

• Understand and employ all policies and procedures of the Bank. Remain up-to-date on all bank compliance regulatory policies and procedures and on all pending and proposed regulatory changes affecting bank compliance. 

• Ensure data integrity of information in the COF commercial loan systems.  

• Understand and promote bank products.

• Maintain and promote client relationships.  

Basic Qualifications

• Bachelor's Degree or Military Experience

• At least 2 years of experience in financial analysis, budgeting or financial modeling

Preferred Qualifications

• Bachelor's Degree in Accounting, Finance, or other relevant fields

• Previous experience in banking, commercial finance or asset management

• Formal training in credit risk management

• Strong analytical and technology aptitude 

• Ability to communicate verbally in a concise and clear manner with clients, peers and fellow associates.

• Advanced Excel skills

** At this time, Capital One will not sponsor a new applicant for employment authorization for this position. 

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

Chicago, IL: $119,400 - $136,200 for Analyst, Specialty Underwriter & Portfolio ManagerMcLean, VA: $131,300 - $149,800 for Analyst, Specialty Underwriter & Portfolio Manager

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.

This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at theCapital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

This role is expected to accept applications for a minimum of 5 business days.No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

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 [email protected]. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to [email protected]

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).