Underwriting and Portfolio Management Analyst - Commercial Real Estate Investment Fund and Trust

Center 2 (19050), United States of America, McLean, Virginia

Underwriting and Portfolio Management Analyst - Commercial Real Estate Investment Fund and Trust

The Underwriting and Portfolio Management organization is responsible for underwriting new transactions and managing the existing portfolio of loans. Our Underwriters and Portfolio Managers work with both internal partners and external stakeholders in order to support the Commercial’s Bank’s growth while ensuring we have a scalable, well-managed business. This role supports the Real Estate Investment Trust (“REIT”) and/or Real Estate Investment Funds (“REIF”) businesses, such as private funds, non-traded REITs or publicly-traded REITs. These businesses originate entity-level unsecured loans, such as facilities with unencumbered asset pools, within Commercial Real Estate.

Commercial Real Estate

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 due diligence calls with clients and/or legal 

• Perform thorough financial analysis and identify disparities, risks, and creative ways to mitigate risk

• Prepare financial / cash flow 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 discussions and pipeline meetings

• Coordinate and complete closing process requirements

• Support senior underwriters in reviewing and negotiating legal documentation

• Communicate with external constituents; exhibit a sense of urgency toward meeting client requests

• Demonstrate basic understanding of credit documents; with some guidance, contribute to term sheets structuring, prepare commitment letters and review legal 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 quarterly reporting and financial statements 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

• Conduct ad hoc analyses and 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 or portfolio management in commercial real estate or cash flow lending

Preferred Qualifications:

• Bachelor's Degree in Accounting, Finance, or Economics

• 3+ years of credit underwriting or portfolio management experience

• High attention to detail and strong work ethic

• Ability to work independently as well as collaboratively in a team environment

• Excellent business writing and verbal communication skills 

• Strong time management skills and ability to manage multiple deals or projects

• High level of proficiency in Google Suite or Microsoft Office 
   

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