Analyst, Specialty Underwriting and Portfolio Manager - CRE

Job Summary The Underwriting and Portfolio Management organization works with internal partners to underwrite new transactions and manage the existing portfolio of loans. This analyst role supports the REIF/Real Estate Fund Finance Group within Commercial Real Estate, balancing growth and risk management. Responsibilities Perform due diligence on industry and company performance; synthesize research and draw conclusions; lead diligence calls where appropriate. Perform thorough financial analysis and identify disparities, risks, and creative mitigation strategies. Prepare financial modeling inputs with little guidance; understand model mechanics and consider overrides or exceptions. Analyze structuring options considering collateral and borrower valuation. Write and prepare the majority of the credit approval document; contribute to internal meetings including deal review and pipeline reviews. Coordinate and complete closing process requirements. Shadow senior underwriters on reviewing and negotiating legal documentation. Communicate with external constituents; exhibit a sense of urgency for 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; manage complex or higher volume accounts. Complete annual reviews and 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 for strong quality and reporting. Escalate and resolve problem accounts in partnership with other teams and specialists. Build relationships across functions 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 equivalent 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 related field. Previous experience in underwriting, portfolio or asset management. Completed coursework or training in commercial real estate and credit risk management. Fluency in Microsoft Office or Google Suite. Capital One will not sponsor a new applicant for employment authorization for this position. Salary and Benefits Salary ranges by location: Cambridge, MA: $131,300 - $149,800; Charlotte, NC: $119,400 - $136,200; McLean, VA: $131,300 - $149,800. Eligible for performance‑based incentive compensation and a comprehensive benefits package. For details, visit the Capital One Careers website. Equal Opportunity Employer Capital One is an equal opportunity employer (EOE, including disability/vet). Capital One promotes a drug‑free workplace and considers qualified applicants with a criminal history in a manner consistent with applicable laws. All information you provide will be kept confidential and used only to the extent required to provide needed reasonable accommodations. #J-18808-Ljbffr Capital One