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R131669 Posted 01/14/2022

Senior Director, Team Leader Underwriting & Portfolio Management - Commercial Real Estate

San Francisco , California | Newport Beach , California
  • Category Risk Management
  • Experience Sr. Director
  • Primary Address San Francisco, California

Overview

201 Third Street (61049), United States of America, San Francisco, California

Senior Director, Team Leader Underwriting & Portfolio Management - Commercial Real Estate

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. Specifically, this is a Lead Underwriting role supporting Commercial Real Estate.

As a Lead Underwriter, you are considered a deep subject matter expert in credit risk management balanced with industry and market expertise.  In addition to performing your responsibilities autonomously, you may play a leadership role across deal teams by guiding or shaping less experienced associates. You are trusted to complete complex transactions or solve more unique problems because of your experience and job specific skills.

Primary underwriting responsibilities may include:

  • Lead and compile due diligence to draw conclusions on material current and future risks and mitigants; identify performance drivers, project future performance, and anticipate ability to repay debt; apply industry research across transactions and share key takeaways across the organization

  • Write and prepare all parts of the credit approval document independently; identify need for supplemental analysis and discussion, anticipating questions that will be raised during deal review and approval meetings

  • Operate in close partnership with the relationship manager in developing a Sponsor coverage model for defined geographic area

  • Oversee deal team(s), including delegating and reviewing work, providing feedback, and coaching and developing less experienced members of the team

  • Leverage deep expertise in industry trends and market analysis to present findings and potential opportunities to senior management with ease

  • Review financial models independently and incorporate complex structures or nuances

  • Propose appropriate structuring options in tandem with deal team

  • Interpret pricing model outputs in context of business return hurdles and consider areas for increasing returns

  • Oversee closing process requirements; review closing memo

  • Lead documentation process and negotiate provisions of term sheets, commitment letters, and fee letters with internal and external counsel as well as clients

  • Focus on improving processes and procedures; work on cross-functional teams seeking to revise internal underwriting protocols, rationalize and influence adjustments to credit approval requirements, and streamline processes

  • Ensure compliance with credit policies and procedures as maintaining and well managed business is critical to the role and the organization 

Additional Responsibilities may include:

  • 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 

  • Consult with legal or Special Assets Department 

  • 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 10 years of experience in credit underwriting or portfolio asset management

Preferred Qualifications:

  • Master’s Degree in related field - economics, finance, or business

  • 12+ years of experience in credit underwriting or portfolio, asset management

  • Subject matter expertise in specific industry or segment

  • Previous formal leadership experience

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

No agencies please. Capital One is an Equal Opportunity Employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex, race, color, age, national origin, religion, physical and mental disability, genetic information, marital status, sexual orientation, gender identity/assignment, citizenship, pregnancy or maternity, protected veteran status, or any other status prohibited by applicable national, federal, state or local law. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

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