Director, FIG Investment Banking, Consumer Finance

Director, FIG Investment Banking, Consumer Finance

This role is for a senior banker on the Consumer Finance team within Capital One’s Financial Institutions Group (“FIG”). The individual will be responsible for relationship management, including new business development, investment banking coverage, pitching to issuers and investors, and deal execution.  This position requires an entrepreneurial mindset, with the ability to autonomously manage external relationships and internal deal teams, as well as senior business leaders. Individuals welcome the challenge of joining a growing and dynamic industry-focused banking group with phenomenal growth potential.  

In addition, the candidate may play a leadership role across deal teams by guiding and shaping more junior associates. Directors are trusted with the most complex transactions and are expected to solve unique problems based on demonstrated experience and job specific skills. The candidate will work closely with members of the FIG organization as well as with a broad group of cross-functional teams that support the business in various ways.

FIG is an industry specialized group within Capital One’s Commercial Bank that supports asset managers and originators of commercial and consumer loans.  The group has over $16 billion in commitments collateralized by subprime auto loans, consumer installment loans, timeshares, residential mortgages, tax liens, capital call commitments, middle market leveraged loans, ABL, SBA loans, and commercial equipment leases. 

Responsibilities:

• New business development and ongoing relationship management in the broader consumer finance industry

• Work with leadership team to assist in the development of opportunity set and potential growth areas

• Nurture and expand strong internal/external relationships, both new and existing

• Work both independently and with small team to advise companies on best options for their needs, including lending, capital markets and other services

• Autonomously manage deal execution with limited oversight: origination, structuring, cash flow modeling, diligence, negotiation of terms, approval, and legal documentation

• Lead due diligence processes; evaluate industry research to draw relevant conclusions on material strengths, risks, and mitigants

• Assist less experienced team members in financial statement analysis, cash flow analysis, and overall deal structuring 

• Prepare and review financial models independently

• Assist partners in Underwriting to review credit approval documents; may review work of less experienced members of the team

• Autonomously prepare term sheets in consultation with broader deal team, including partners in Underwriting, Legal and Credit

• Lead the review and negotiation of legal documents subject matter expertise to provide rationale and drive outcomes, both internally and externally

• Drive overall deal process and lead communication with internal and external constituents; constructively improve deal process

• Prepare and review pricing models independently; understand drivers for pricing model outputs and consider areas for increasing returns

• Build relationships to foster collaboration between partner groups

• Interact directly with customers to cultivate strong relationships while balancing risk and return 

• 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 5 years of experience in Relationship Management

• At least 7 years of experience working with Lender Finance

• At least 7 years  of experience working with Financial Institutions

Preferred Qualifications:

• Master’s Degree and/or CFA

• At least 10 years of experience in Capital Markets and Asset Backed Securitization (ABS) 

• Completion of a formal credit training program 

• FINRA Licenses series 7, 63, 69

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

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