Associate, Specialty Underwriter & Portfolio Manager

As an Associate, Specialty Underwriter & Portfolio Manager at Capital One, your primary responsibilities include performing due diligence on industry and company performance, conducting thorough financial analyses, preparing credit approval documents, and managing a portfolio of existing customers. You'll also participate in internal initiatives and mentor new hires. This diverse role ensures you're actively involved in underwriting new transactions and maintaining the existing portfolio of loans.

To qualify for the Associate, Specialty Underwriter & Portfolio Manager role at Capital One, candidates typically need a Bachelor’s Degree or military experience along with at least three years of experience in credit underwriting or portfolio management. Preferred qualifications include a Bachelor’s Degree in Accounting, Finance, or Economics, along with five or more years of relevant experience, showcasing strong knowledge and skills essential for this role.

The compensation for the Associate, Specialty Underwriter & Portfolio Manager at Capital One ranges from $158,400 to $180,800 per year for candidates in Cambridge, MA. This competitive salary reflects the experience and skill level expected for the role, along with performance-based incentives that can include cash bonuses and long-term incentives. This reflects Capital One's commitment to offering attractive financial packages to its employees.

In the Associate, Specialty Underwriter & Portfolio Manager role at Capital One, there are numerous opportunities for growth. You will be expected to handle responsibilities with minimal oversight, gain exposure to advanced credit analysis, and manage more complex portfolios over time. Mentorship for newer analysts and participation in internal initiatives enhances your skills, enabling career advancement within Capital One's extensive network.

As an Associate, Specialty Underwriter & Portfolio Manager at Capital One, you'll experience a collaborative and supportive team dynamic. Interacting with various internal and external stakeholders, you’ll be encouraged to communicate openly and build relationships across departments. This inclusive atmosphere fosters collaboration, enabling you to thrive, learn from others, and contribute effectively to the team's goals.

When performing due diligence as an Associate, Specialty Underwriter & Portfolio Manager, I start by gathering industry data and reviewing the specific company's performance. I analyze financial statements, comparing them against market benchmarks, and synthesize this research to draw thoughtful conclusions. Communication is key, so I often coordinate diligence calls to clarify details, ensuring I’m fully informed before making recommendations.

Identifying and mitigating risks in transactions involves a thorough analysis of financial models and market conditions. I look for discrepancies in financial data and assess potential impacts on the transaction's performance. By preparing various structuring scenarios and engaging with senior underwriters or risk specialists, I can develop risk-mitigating strategies that protect our investment.

In financial analysis for real estate deals, I often use Excel for financial modeling, employing various formulas and scenarios to assess cash flows, IRR, and ROI. Additionally, I leverage data visualization tools to create clear reports that help illustrate findings to stakeholders, making complex information more accessible and easier to interpret for decision-making.

Prioritizing my workload when managing multiple accounts involves assessing risk ratings and compliance timelines. I employ a strategic approach, breaking down tasks by urgency and significance while utilizing project management tools to keep track. Effective communication with both internal teams and external stakeholders helps ensure that all parties are aligned on priorities and deadlines.

In my previous roles, preparing credit approval documents has involved compiling detailed analyses and synthesizing findings into structured documents that support loan requests. I ensure these documents are clear, concise, and aligned with our internal standards while facilitating discussions during deal review meetings to clarify any nuances or concerns for decision-making.

When mentoring newer team members, I focus on providing guidance and support tailored to their individual learning styles. My approach includes regular check-ins to discuss their progress, offering constructive feedback, and encouraging them to ask questions. By fostering an open and supportive environment, I help them build confidence and develop their skills more effectively.

Ensuring compliance with credit policies for existing accounts requires diligent monitoring and timely reviews. I regularly audit portfolio data to confirm accuracy and detect any deviations from established protocols. Communicating effectively with internal teams allows us to address potential compliance issues quickly, ensuring we maintain strong governance.

While reviewing portfolio performance, I track key metrics such as risk ratings, loan-to-value ratios, and debt service coverage ratios. Additionally, I monitor trends related to borrower performance and market conditions to promptly respond to shifts that may affect our investments. This holistic overview enables informed decision-making regarding potential upgrades or downgrades.

One challenging experience I encountered was a deal with several discrepancies in financial data. I took the initiative to engage directly with the borrower to clarify details while collaborating with my team to reassess our initial analyses. Through diligent teamwork and open communication, we were able to address the issues and negotiate terms that worked for both parties.

Staying informed about trends in commercial real estate involves leveraging industry publications, attending webinars, and engaging with professional networks. Furthermore, I actively participate in discussions with colleagues and industry experts to share insights and learn about emerging market dynamics that could affect our strategies and investments.