Analyst, Regional Commercial Banking Underwriting & Portfolio Management
Houston, TX 
Posted 2 days ago
Job Description
Job ID: R116987

Locations: Sales - TX - Houston, United States of America, Houston, Texas

Analyst, Regional Commercial Banking Underwriting & Portfolio Management

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. This role supports the Regional Commercial Bank

Regional Commercial Bank

As an Analyst, Underwriting & Portfolio Management, you have advanced beyond the fundamentals of credit risk management and are expected to perform most responsibilities with minimal oversight. In addition to identifying risks and mitigants, you begin to identify and escalate trends or anomalies on individual deals or within the portfolio.


  • Perform due diligence on industry and company performance; synthesize research and begin to draw conclusions; may start to lead diligence calls

  • Perform thorough financial analysis and identify disparities, risks, and creative ways to mitigate risk

  • Prepare financial modeling inputs with little guidance; understand model mechanics and consider overrides or exceptions

  • Analyze appropriate structuring options considering collateral and borrower valuation

  • Prepare pricing model for complex deal structures and begin to understand drivers for pricing model outputs

  • Write and prepare majority of the credit approval document; provide meaningful contribution to internal meetings, including deal review and pipeline meetings

  • Coordinate and complete closing process requirements

  • Begin to shadow more senior underwriters on reviewing and negotiating legal documentation

  • Communicate with all external constituents; exhibit a sense of urgency toward meeting client requests

  • Prepare term sheets, commitment letters and fee letters with guidance; basic understanding of credit document.

  • Demonstrate ownership of a portfolio of existing customers with minimal guidance; may take on more complex or higher volume of accounts

  • Complete annual reviews and both material and non-material modifications independently and on time

  • Monitor and 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

  • Ensure portfolio data is accurate, timely, and complete to ensure strong quality and reporting capabilities

  • Escalate and resolve problem accounts in partnership with other teams and specialists

  • Build relationships across function and business to foster collaboration between partner groups

  • 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 2 years of experience in credit underwriting or at least 3 years of portfolio management experience.

Preferred Qualifications:

  • Bachelor's Degree in Accounting, Finance, or other relevant fields

  • Previous experience in relevant systems

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

Capital One is an equal opportunity employer committed to diversity in the workplace. Capital One promotes a drug-free workplace.

All qualified applicants will receive consideration for employment without regard to gender, race, color, religion, national origin, sexual orientation, protected veteran status, or disability status.

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; Newark, New Jersey Ordinance 12-1630; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.


Job Summary
Start Date
As soon as possible
Employment Term and Type
Regular, Full Time
Required Education
Bachelor's Degree
Required Experience
2+ years
Email this Job to Yourself or a Friend
Indicates required fields