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Director- Lead Underwriter and Portfolio Manager
Posted on 4/15/2022
Chicago, IL, USA • New York, NY, USA
Experience Level
Desired Skills
  • 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
  • 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
  • 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
Desired 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
Capital One

10,001+ employees

Sixth largest bank and financial service provider
Company Overview
Capital One was founded on the belief that no one should be locked out of the financial system. Their deep commitment to financial inclusion is reflected in their business, community partnerships, philanthropy, and most importantly, support for customers. Capital One is on a mission to change banking for good.
  • Medical, Dental, & Vision coverage
  • Onsite Health Centers
  • Prescription saving with network of local pharmacies
  • Stock Purchase Plan
  • Education Assistance
  • 401(k)
  • Flexible Spending Accounts
  • Life and Disability insurance
  • Generous paid time off + corporate & floating holidays
  • Registered dieticians on site, cooking classes and free virtual fitness classes
  • Employee Assistance Program
Company Values
  • Creating financial tools that enrich lives
  • Building thriving communities
  • Advocating for an inclusive society
  • Do the Right Thing