Sr. Manager - Commercial Card Underwriting, Portfolio Management

Capital One•Plano, TX

About The Position

Sr. Manager - Commercial Card Underwriting, Portfolio Management Capital One, a Fortune 500 company and one of the nation’s top 10 banks, offers a broad spectrum of financial products and services to consumers, small businesses and commercial clients. Our goal is to create one of the nation’s great banks, and we have the necessary ingredients: a strong balance sheet, resilient businesses, a massive customer franchise, strong analytical capabilities, and great people. We nurture a work environment where people with a variety of thoughts, ideas and backgrounds, guided by our shared Values, come together to make Capital One a great company – and a great place to work. The Underwriting and Portfolio Management organization is responsible for working with internal partners to underwrite new transactions and manage the existing portfolio of loans. Supporting our Business Cards & Payments business, our Underwriters and Portfolio Managers balance supporting resilient growth while ensuring we have a scalable, well-managed business. As a Sr. Manager in this space, you demonstrate subject matter expertise in credit risk management and are expected to perform responsibilities independently. In addition to your own job duties, you may play a leadership role across deal teams by guiding and shaping more junior associates. You are trusted with the most complex transactions and to solve unique problems because of your experience and job specific skills.

Requirements

Bachelor’s Degree or Military Experience
At least 5 years of experience in credit underwriting, portfolio or asset management
At least 2 years of People Leadership experience

Nice To Haves

Bachelor's Degree in Accounting or Finance
7+ years of experience in credit underwriting, portfolio or asset management
1+ years of Process Management experience

Responsibilities

Lead new originations and scheduled review process and calls
Evaluate deals to draw relevant conclusions on material strengths, risks, and mitigants
Develop junior team members in financial statement analysis and cash flow analysis
Prepare and review financial models independently
Coordinate with deal team on appropriate structuring options or overrides to financial models
Write and prepare all parts of the credit approval document; may serve as second approver for members of the team; take a leadership role in conversations with internal partners
Oversee closing process requirements; review closing memo
Interact directly with customers to articulate credit decisions or conduct further due diligence
Drive overall deal process and lead communication with internal and external constituents; constructively improve deal process
Delegate spreading and risk ratings to analysts or contractor teams
Prepare and/or review profitability models independently; understand drivers for pricing model outputs and consider areas for increasing returns
Manage a portfolio of accounts independently; review and monitor portfolio accounts’ health and performance against expectations; drive customer retention
Proactively anticipate issues, draw parallels from other accounts to own account; resolve problem accounts in partnership with other teams and specialists
Complete annual reviews and both material and non-material modifications independently and on time
Facilitate and lead ad hoc and quarterly portfolio reviews
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
Build relationships across function and business to foster collaboration between partner groups
Interact directly with customers to cultivate strong relationships while balancing risk and return
Interpret data into actionable reporting
Participate in internal initiatives to ensure the business is well-managed and operates efficiently