Analyst, Specialty Underwriter and Portfolio Manager - CRE

Capital One • McLean, VA

12d • Hybrid

About The Position

The Analyst, Specialty Underwriter and Portfolio Manager supports the REIF/Real Estate Fund Finance Group within Commercial Real Estate. The Underwriting and Portfolio Management organization works with internal partners to underwrite new transactions and manage the existing loan portfolio, balancing business growth with scalable, well-managed operations. Analysts have advanced beyond the fundamentals of credit risk management and perform most responsibilities with minimal oversight. They identify risks and mitigants and begin to identify and escalate trends or anomalies on individual deals and across the portfolio.

This is a hybrid role, subject to Capital One’s hybrid policy regarding required on-site presence at the employee’s designated office. The position is eligible for performance-based incentive compensation, which may include cash bonuses and/or long-term incentives. Capital One will not sponsor new applicants for employment authorization or provide immigration-related support for this position. The role is expected to accept applications for a minimum of five business days.

Requirements

• Bachelor’s degree or military experience.
• At least 2 years of experience in credit underwriting, portfolio management, or commercial real estate.

Nice To Haves

• Bachelor’s degree in Accounting, Finance, or another relevant field.
• Previous experience in underwriting, portfolio management, or asset management.
• Completed coursework or training in commercial real estate and credit risk management.
• Fluency in Microsoft Office or Google Suite.

Responsibilities

• Perform due diligence on industry and company performance, synthesize research, draw conclusions, and potentially lead diligence calls.
• Conduct thorough financial analysis and identify disparities, risks, and creative risk mitigants.
• Prepare financial modeling inputs with little guidance, understand model mechanics, and consider overrides or exceptions.
• Analyze structuring options in light of collateral and borrower valuation.
• Write and prepare most of the credit approval document and contribute meaningfully to internal meetings, including deal review and pipeline meetings.
• Coordinate and complete closing process requirements.
• Shadow more senior underwriters in reviewing and negotiating legal documentation.
• Communicate with external constituents and respond urgently to client requests.
• Prepare term sheets, commitment letters, and fee letters with guidance; maintain a basic understanding of credit documents.
• Own a portfolio of existing customers with minimal guidance, potentially managing more complex or higher-volume accounts.
• Complete annual reviews and material and non-material modifications independently and on time.
• Monitor risk ratings and determine whether upgrades or downgrades are appropriate.
• Ensure existing accounts comply with credit policies and procedures.
• Respond to requests from internal and external stakeholders.
• Maintain accurate, timely, and complete portfolio data to support strong quality and reporting capabilities.
• Escalate and resolve problem accounts in partnership with other teams and specialists.
• Build cross-functional and cross-business relationships to foster collaboration among partner groups.
• Mentor and train rotational analysts and new hires.
• Participate in internal initiatives that support effective business management and efficient operations.

Benefits

• Comprehensive health, financial, and other benefits supporting total well-being.
• Eligibility for performance-based incentive compensation, which may include cash bonuses and/or long-term incentives.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level