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Sr. Manager, Underwriter and Portfolio Manager

Capital One
Melville, New York, United States
8 days ago


1307 Walt Whitman (22600), United States of America, Melville, New York

Sr. Manager, Underwriter and Portfolio Manager

Senior Manager, Regional Commercial Bank- Underwriting & Portfolio Management

Job Description:

The Underwriting and Portfolio Management organization is responsible for working with internal partners to underwrite new transactions and manage the existing portfolio of loans. Our Underwriters and Portfolio Managers balance supporting the Commercial's Bank's growth and ensuring we have a scalable, well-managed business. This role supports the Regional Commercial Bank

As an Underwriter & Portfolio Manager, you begin to 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 or solve unique problems because of your experience and job specific skills.

Primary underwriting responsibilities may include :
  • Lead due diligence process and calls; evaluate industry research to draw relevant conclusions on material strengths, risks, and mitigants
  • Assist less experienced team members in financial statement analysis and cash flow analysis
  • Prepare and review financial models independently
  • Coordinate with the deal team on appropriate structuring options or overrides to financial models
  • Write and prepare all parts of the credit approval document; may review the work of less experienced members of the team; take a leadership role in conversations with internal partners
  • Oversee closing process requirements; review closing memo
  • Prepare term sheets, commitment letters and fee letters with minimal guidance; understand the majority of provisions of all credit documents and can provide rationale; negotiate credit docs with guidance
  • 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 pricing models independently; understand drivers for pricing model outputs and consider areas for increasing returns

Primary portfolio or asset management responsibilities may include :
  • 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 one's 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
  • Facilitates and leads 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

Additional Responsibilities may include:
  • Build relationships across functions and businesses 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 credit underwriting or at least 5 years of experience in portfolio management or at least 5 years of experience in asset management

Preferred Qualifications:
  • Bachelor's Degree in Accounting, Finance, or other relevant fields
  • 7+ years of experience in credit underwriting or portfolio or asset management.
  • Previous leadership (informal or formal) experience with deal teams or analysts

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

Job Information

  • Job ID: 57846729
  • Location:
    Melville, New York, United States
  • Position Title: Sr. Manager, Underwriter and Portfolio Manager
  • Company Name: Capital One
  • Job Function: Other
  • Job Type: Full-Time

Please refer to the company's website or job descriptions to learn more about them.

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