Sr. Manager, Specialty Underwriting & Portfolio Management - Corporate & Sponsor Lending at Capital One

McLean, Virginia, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Services, Commercial Banking, Healthcare, Food & BeverageIndustries

Requirements

Bachelor’s Degree or Military Experience
At least 5 years of experience in credit underwriting, portfolio management or asset management
Preferred: Bachelor's Degree in Accounting, Finance, or other relevant fields
Preferred: 7+ years of experience in credit underwriting or portfolio or asset management
Preferred: Previous experience (inferred from context of role expertise)

Responsibilities

Underwrite leveraged debt transactions to new or existing clients
Lead due diligence process and calls; evaluate diligence to draw relevant conclusions on material strengths, risks, and mitigants
Assist less experienced team members in financial statement analysis and cash flow analysis
Review financial models independently
Coordinate with deal team on appropriate structuring options
Write and prepare the credit approval document; review work of less experienced members of the team; begin to 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 majority of provisions of all credit documents and can provide rationale; begin to negotiate credit docs with guidance
Drive overall deal process and lead communication with internal and external constituents; constructively improve deal process
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
Coordinate with Portfolio Management team to ensure all annual reviews and both material and non-material modifications are completed on time
Assist portfolio managers with quarterly portfolio reviews
Ensure compliance with credit policies and procedures for existing accounts
Respond to requests from all internal and external stakeholders
Work with portfolio managers to 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
Mentor and train rotational analysts and less experienced associates
Participate in internal initiatives to ensure the business is well-managed and operates efficiently

Skills

Key technologies and capabilities for this role

UnderwritingPortfolio ManagementCredit Risk ManagementDue DiligenceFinancial Statement AnalysisCash Flow AnalysisFinancial ModelingDebt StructuringCredit Approval

Questions & Answers

Common questions about this position

What are the primary responsibilities in underwriting for this role?

Primary underwriting responsibilities include underwriting leveraged debt transactions, leading due diligence processes, assisting in financial statement and cash flow analysis, reviewing financial models, coordinating on structuring options, writing credit approval documents, overseeing closing processes, preparing term sheets and fee letters, and driving the overall deal process.

What portfolio management duties does this position involve?

Portfolio management responsibilities include managing a portfolio of accounts independently, monitoring health and performance, driving customer retention, anticipating issues, resolving problem accounts, coordinating annual reviews and modifications, and assisting with quarterly portfolio reviews.

Is this a remote position or does it require office work?

This information is not specified in the job description.

What is the salary or compensation for this Sr. Manager role?

This information is not specified in the job description.

What experience level is expected for this underwriting and portfolio management role?

The role requires demonstrating subject matter expertise in credit risk management, performing responsibilities independently, leading junior associates on complex transactions, and handling the most complex deals due to experience and job-specific skills.

Capital One

Offers diverse financial products and services

About Capital One

Capital One provides a variety of financial services aimed at making banking accessible and easy for everyone. The company offers products such as credit cards, savings accounts, car loans, and business checking accounts, catering to both individual consumers and small businesses primarily in the United States. Capital One's approach includes user-friendly banking solutions with no fees or minimums for checking accounts, allowing customers to manage their finances more effectively. They generate revenue through interest on loans, credit card fees, and investment banking services. What sets Capital One apart from its competitors is its strong commitment to financial inclusion and literacy, demonstrated through community partnerships and educational initiatives, such as collaborations with Khan Academy. The company's goal is to create a more inclusive financial system and empower customers with the knowledge and tools they need to make informed financial decisions.

McLean, VirginiaHeadquarters

2014Year Founded

$15.9MTotal Funding

IPOCompany Stage

Fintech, Financial ServicesIndustries

10,001+Employees

Sr. Manager, Specialty Underwriting & Portfolio Management - Corporate & Sponsor Lending at Capital One

Requirements

Responsibilities

Skills

Questions & Answers

Capital One

About Capital One

Benefits

Medical, Dental, & Vision coverage

Onsite Health Centers

Prescription saving with network of local pharmacies

Stock Purchase Plan

Education Assistance

401(k)

Flexible Spending Accounts

Life and Disability insurance

Generous paid time off + corporate & floating holidays

Registered dieticians on site, cooking classes and free virtual fitness classes

Employee Assistance Program

Risks

Increased competition in subscription management tools may dilute Capital One's advantage.

Over-reliance on partnerships could expose Capital One to technological risks.

Departure of key personnel like Joe Rodriguez may affect risk management continuity.

Differentiation

Capital One offers user-friendly banking with no fees or minimums for checking accounts.

The company partners with Khan Academy to provide financial literacy education.

Capital One is the first major U.S. bank to offer subscription management tools.

Upsides

Capital One's mobile app is a model for secure, user-friendly digital banking.

Data sharing with Worldpay enhances payment security and fraud prevention.

Partnerships with fintechs like Minna Technologies improve customer experience.

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