Senior Director, Team Leader Underwriting & Portfolio Management - Commercial Real Estate
Category Risk Management
Experience Sr. Director
Primary Address San Francisco, California
Overview201 Third Street (61049), United States of America, San Francisco, CaliforniaSenior 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
Bachelor’s Degree or Military Experience
At least 10 years of experience in credit underwriting or portfolio asset management
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.
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).
How We Hire
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Step 1 Apply
It only takes a few minutes to complete our application and assessment.
Step 2 Screen and Schedule
If your application is a good match you’ll hear from one of our recruiters to set up a screening interview.
Step 3 Interview(s)
Now’s your chance to learn about the job, show us who you are, share why you would be a great addition to the team and determine if Capital One is the place for you.
Step 4 Decision
The team will discuss — if it’s a good fit for us and you, we’ll make it official!
How to Pick the Perfect Career Opportunity
Overwhelmed by a tough career choice? Read these tips from Devon Rollins, Senior Director of Cyber Intelligence, to help you accept the right offer with confidence.
Your wellbeing is our priority
Our benefits and total compensation package is designed for the whole person. Caring for both you and your family.
Healthy Body, Healthy Mind
You have options and we have the tools to help you decide which health plans best fit your needs.
Save Money, Make Money
Secure your present, plan for your future and reduce expenses along the way.
Time, Family and Advice
Options for your time, opportunities for your family, and advice along the way. It’s time to BeWell.
Here’s how the team fits together. We’re big on growth and knowing who and how coworkers can best support you.
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