• Director , Commercial Lender Finance - Underwriting & Portfolio Management Jobs in United States Of America

  • United States Of America, Usa
  • Save Job
  • 10 - 13 Years
  • Posted : above 1 month

Job Description:

At Capital One, were building a leading information-based technology company Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking We measure our efforts by the success our customers enjoy and the advocacy they exhibit We are succeeding because they are succeeding

Guided by our shared values, we thrive in an environment where collaboration and openness are valued We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results We elevate each other and obsess about doing the right thing Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams Together, we are on a quest to change banking for good

Director, Commercial Lender Finance - Underwriting & Portfolio Management

Capital Ones Financial Institutions Group (FIG) has a need for Director level Underwriter to join its Lender Finance / Securitization team The incumbent will provide underwriting and credit management leadership to cross-functional deal teams in underwriting commercial and/or consumer lender finance transactions This includes, but is not limited to, transaction due diligence, collateral analysis, structuring, cash flow modeling, negotiation, approval, legal documentation, and closing The individual will primarily underwrite new transactions, as well as assist in the restructuring of existing transactions, and consult with team members to manage and monitor portfolio accounts

Specific responsibilities may include, but are not limited to

Plays a key role completing and presenting pre-screen memos, credit approval memos, collateral analysis, cash flow modeling, and risk rating assessment for recourse and non-recourse loans to non-bank financial institutions
Leads or directly involved in underwriting and documenting structured loan transactions Performs underwriting diligence, including industry research, company research, identifying a borrowers performance drivers, projecting future corporate and asset performance and anticipated ability to repay debt, as well as assessing how stress cases impact the credit
Prepares risk assessments and presents senior management with a clear and consistent approach to mitigate credit, legal, regulatory and other relevant risks
Maintain detailed financial models; develop sensitivity analysis around key economic drivers
Maintain all operational aspects of a transaction from deal initiation to close
Negotiates terms and conditions for transactions and works with cross-functional teams to ensure appropriate documentation
Manages accounts to ensure customer retention and performance to specifications
Coaches and develops junior team members
Partners with Relationship Managers and Portfolio Managers to cultivate excellent client relationships Exhibits a sense of urgency towards meeting client requests while also meeting acceptable risk parameters
Understands and promotes bank and capital markets products to assist the Relationship Managers in meeting profitability targets
Ensures compliance in credit policies and procedures
Evaluate risk/return dynamics for proposed transactions

Basic Qualifications

Bachelors Degree or Military Experience
At least 10 years of experience in lender finance or at least 10 years of experience in structured finance or at least 10 years of experience in securitization or at least 10 years of experience in commercial banking or at least 10 years of experience in rating agency analysis

Preferred Qualifications

Masters Degree and/or CFA
Experience with a broad range of commercial and/or consumer asset classes
Demonstrated superior leadership with ability to thrive in a dynamic, collaborative environment
Familiarity with financial products available to financial institutions, including cash flow lending, bond issuance, secured recourse lending, non-recourse lending (ie securitization), mezzanine credit, hedging
Able to work in a team environment, while interacting with multiple teams and multiple deals concurrently
Strong executive presence and communication skills
Entrepreneurial mindset
Strong capital markets knowledge; ABS experience a plus
Strong background in financial statement analysis, financial modeling, and valuation
Background in preparing financial information, interpreting financial performance, and assessing risk exposure
High partnership orientation
Strong risk management orientation
FINRA Series 7, 79 and 63 licenses

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 Citys Fair Chance Act; Philadelphias 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 RecruitingAccommodationcapitalonecom 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 Ones recruiting process, please send an email to Careerscapitalonecom

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)

Profile Summary:

Employment Type : Full Time
Eligibility : Any Graduate
Industry : Others - other Industry
Functional Area : Accounting/Tax/Company Secretary/Audit
Role : Audit & Risk
Salary : As per Industry Standards
Deadline : 19th Feb 2020

Key Skills:

Company Profile:


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