# Analyst, Underwriter & Portfolio Manager

**Company**: Capital One
**Experience**: mid
**Job type**: full-time
**Salary**: $119,400 - $136,200 (Charlotte, NC and Plano, TX), $131,300 - $149,800 (McLean, VA)
**Category**: Finance
**Industry**: Finance

**Apply**: https://capitalone.wd12.myworkdayjobs.com/en-US/Capital_One/job/Plano-TX/Analyst--Underwriter---Portfolio-Manager_R1000826-1?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_cf774f07-aba

## Description

We are seeking an experienced Analyst, Underwriter & Portfolio Manager to join our team. As an Asset Manager, you will be responsible for safeguarding assets by diligently managing an existing portfolio of loans secured by commercial income-producing properties.

**Primary Duties and Responsibilities:**

- Perform comprehensive underwriting by analysing property operating statements, rent rolls, lease abstracts, and pro forma projections for various asset types (Multifamily, Industrial, Retail, Office, etc.)

- Calculate and analyse key real estate metrics, including Net Operating Income (NOI), Debt Service (including adjustments for interest rate hedges), Debt Service Coverage Ratios (DSCR), and Loan-to-Value (LTV) to determine the borrower's ability to meet current debt service obligations as well as refinance at maturity

- Evaluate the underlying real estate market fundamentals, including submarket conditions, vacancy and rental rate trends, new supply, and the asset's competitive positioning within the market

- Conduct in-depth analysis of individual and corporate guarantors, including a thorough review of personal/corporate financial statements, tax returns, liquidity, contingent liabilities, and global cash flow from assets to assess their financial strength and capacity to support the debt

- Author clear and comprehensive credit approval memorandums that detail the loan structure, collateral, market condition, collateral competitive position in the market, key risks, and provide a well-supported recommendation for risk ratings based on property performance

- Review and evaluate third-party reports, including property appraisals, environmental site assessments (ESAs), and property condition reports (PCRs)

**The Ideal Candidate Is:**

- Detail-oriented and meticulous in their review of financial data, written approval packages, leases, and third-party reports

- Passionate about real estate and stays current on market trends, transactions, and economic news

- Able to work independently, problem-solve, manage a pipeline of deals, and meet deadlines

- Works effectively with relationship managers, credit officers, legal counsel, and clients to meet client needs, obtain information, assess risk, and proactively identify adverse trends or issues

**Basic Qualifications:**

- Bachelor's degree or military experience

- At least 2 years of experience in credit underwriting, portfolio management, or asset management

**Preferred Qualifications:**

- Bachelor's degree in Finance, Real Estate, Accounting, or a related field

- 2-4+ years of dedicated experience in commercial real estate (CRE) credit analysis, underwriting, or asset management

- Proven expertise in analysing CRE property types (e.g., Multifamily, Industrial, Retail, Office)

- Deep understanding of CRE valuation methodologies, interest rate hedging strategies (swaps and caps), and key performance indicators (NOI, DSCR, LTV, Cap Rate, Debt Yield)

- Completion of a formal bank credit training program with a focus on real estate

- Proficiency in ARGUS, CoStar, and other real estate-specific software platforms

- Knowledge of CRE loan documentation and legal considerations

- Advanced proficiency in Microsoft Excel and/or Google Sheets for financial modelling and analysis

- Excellent analytical skills and situational awareness with an ability to identify and mitigate transaction-specific risks

- Strong written and verbal communication skills, capable of discussing complex transactions or situations with credit officers and senior management

**Salary Information:**

- Charlotte, NC: $119,400 - $136,200 per year

- McLean, VA: $131,300 - $149,800 per year

- Plano, TX: $119,400 - $136,200 per year

**Benefits:**

- Comprehensive, competitive, and inclusive set of health, financial, and other benefits that support your total well-being

## Skills

### Required
- credit underwriting
- portfolio management
- asset management
- real estate analysis
- financial modelling

### Nice to have
- ARGUS
- CoStar
- Microsoft Excel
- Google Sheets
- CRE valuation methodologies
- interest rate hedging strategies

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Source: [Apply at capitalone.wd12.myworkdayjobs.com](https://capitalone.wd12.myworkdayjobs.com/en-US/Capital_One/job/Plano-TX/Analyst--Underwriter---Portfolio-Manager_R1000826-1?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)