Analyst, Specialty Underwriting and Portfolio Manager - CRE

The Underwriting and Portfolio Management organization is responsible for working with internal partners to underwrite new transactions and manage the existing portfolio of loans. Our Underwriters and Portfolio Managers balance supporting the Commercial Bank's growth and ensuring we have a scalable, well‑managed business. This role supports the REIF/Real Estate Fund Finance Group within Commercial Real Estate. Commercial Real Estate (CRE) As an Analyst, 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. 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 Basic Qualifications Bachelor's Degree or Military Experience At least 2 years of experience in credit underwriting, portfolio management or commercial real estate Preferred Qualifications Bachelor's Degree in Accounting, Finance, or other relevant fields Previous experience in underwriting or portfolio or asset management Completed coursework or training in commercial real estate & credit risk management Fluency in either Microsoft Office or Google Suite At this time, Capital One will not sponsor a new applicant for employment authorization for this position. Salary Cambridge, MA: $131,300 - $149,800 for Analyst, Specialty Underwriter & Portfolio Manager Charlotte, NC: $119,400 - $136,200 for Analyst, Specialty Underwriter & Portfolio Manager McLean, VA: $131,300 - $149,800 for Analyst, Specialty Underwriter & Portfolio Manager Benefits Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well‑being. Eligibility varies based on full or part‑time status, exempt or non‑exempt status, and management level. Equal Opportunity Statement Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non‑discrimination in compliance with applicable federal, state, and local laws and regulations regarding criminal background inquiries, and other relevant federal, state, and local laws and regulations. #J-18808-Ljbffr TalentAlly