Analyst, Specialty Underwriting & Portfolio Manager - REIT

Overview

Capital One’s Underwriting and Portfolio Management team leads the assessment of new loan opportunities and the ongoing management of our loan portfolio. The group collaborates with internal partners and external stakeholders to support the growth of Commercial Real Estate while maintaining a scalable, well-governed business. This role supports the Real Estate Investment Trust (REIT) and/or Real Estate Investment Funds (REIF) activities, including private funds, non-traded REITs, and publicly-traded REITs. These entities originate entity-level unsecured loans, such as facilities backed by unencumbered asset pools, within Commercial Real Estate.

As an Analyst in Underwriting & Portfolio Management, you will operate with a high degree of independence, moving beyond the basics of credit risk management. In addition to identifying risks and mitigants, you will begin spotting trends or anomalies on individual deals or within the portfolio and escalate as appropriate.

Responsibilities

• Conduct industry and company due diligence, synthesize findings, and may lead due diligence calls with clients and/or legal counsel.
• Perform thorough financial analysis, identify discrepancies and risks, and propose creative risk mitigation strategies.
• Develop financial/cash flow modeling inputs with minimal guidance; understand model mechanics and consider overrides or exceptions.
• Evaluate structuring options based on collateral and borrower valuation.
• Prepare the majority of the credit approval document and actively contribute to internal meetings, including deal discussions and pipeline reviews.
• Coordinate and fulfill closing process requirements.
• Assist senior underwriters in reviewing and negotiating legal documentation.
• Communicate with external stakeholders; maintain urgency in responding to client requests.
• Demonstrate a fundamental understanding of credit documents; with guidance, contribute to term sheet structuring, prepare commitment letters, and review legal documents.
• Own a portfolio of existing customers with minimal supervision; may handle more complex or higher-volume accounts.
• Complete annual reviews and both material and non-material modifications independently and on schedule.
• Monitor quarterly reporting and financial statements to determine upgrades or downgrades to risk ratings.
• Ensure compliance with credit policies and procedures for existing accounts.
• Respond to requests from all internal and external stakeholders.
• Maintain accurate, timely, and complete portfolio data to support strong quality and reporting capabilities.
• Escalate and resolve problem accounts in partnership with other teams and specialists.
• Foster collaboration across functions and business units to strengthen cross-team relationships.
• Mentor and train rotational analysts and new hires.
• Conduct ad hoc analyses and participate in internal initiatives to keep the business well-managed and efficient.

Basic Qualifications

• Bachelor’s Degree or Military Experience
• At least 2 years of experience in credit underwriting or portfolio management in commercial real estate or cash flow lending

Preferred Qualifications

• Bachelor's Degree in Accounting, Finance, or related fields
• 3+ years of credit underwriting and/or portfolio management experience
• High attention to detail and a strong work ethic
• Ability to work independently and as part of a team
• Excellent business writing and verbal communication skills
• Strong time management skills with the ability to manage multiple deals and projects
• Proficiency in Google Suite or Microsoft Office

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

Location

Plano, TX 75023

Compensation

The posting notes that minimum and maximum full-time annual salaries for this role are provided by location. Please note that this salary information is listed by location in the posting.