Analyst, Specialty Underwriter & Portfolio Manager - Energy, Power and Renewables
The Underwriting and Portfolio Management organization is responsible for working with internal and external 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 Energy, Power and Renewables Group. Capital One’s Energy, Power and Renewables Group provides financing to Upstream, Midstream and Power companies for mergers and acquisitions, corporate growth, working capital needs, balance sheet refinancing's and recapitalizations.
As an Analyst, you understand fundamental credit risk management and are able to identify risks and mitigants in a deal and/or annual review. The position supports Underwriters with risk identification and problem resolution including the preparation of risk ratings and approval materials. You have oversight from more experienced members of the team, but contribute to transactions in a meaningful way. You are analytically driven with a strong understanding of basic finance and accounting principles. This includes financial statement analysis, underwriting due diligence, compliance, approval and documentation.
Primary underwriting responsibilities may include:
- Support and compile due diligence to draw conclusions on material current and future risks and mitigates; identify performance drivers, project future performance, and anticipate ability to repay investment; apply industry research across transactions and share key takeaways across the organization
- Leverage deep expertise in industry trends and market analysis to present findings and potential opportunities to senior management with ease
- Anticipate questions that will be raised during deal review and approval meetings
- Review financial models independently and incorporate complex structures or nuances
- Propose appropriate structuring options in tandem with deal team
- Write and prepare all parts of the credit approval document independently; identify need for supplemental analysis and discussion; review work of less experienced members of the team
- Oversee closing process requirements; review closing memo
- Support documentation process and negotiate provisions of term sheets, commitment letters, and fee letters with internal and external counsel as well as clients
Primary portfolio or asset management responsibilities may include:
- Review and approve annual reviews and both material and non-material modifications
- Facilitate and leads quarterly portfolio reviews; prepare watch and criticized reports for quarterly meetings & annual reviews
- Ensure portfolio data is accurate, timely, and complete to ensure strong quality and reporting capabilities
Additional Responsibilities may include:
- Build relationships across function to foster collaboration between partner groups
- Interact directly with customers to cultivate strong relationships
- Mentor and train rotational analysts and new hires
- Participate in internal initiatives to ensure the business is well-managed and operates efficiently
- Ensure compliance with credit policies and procedures
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 Accounting, Finance, or other relevant fields
- 3+ years of experience in credit underwriting, portfolio management, asset management or industry finance
- Strong analytical and technology aptitude
- Ability to communicate verbally in a concise and clear manner with clients, peers and fellow associates.
- Experience with Microsoft Office or Google Suite
**_*At this time, Capital One will not sponsor a new applicant for employment authorization for this position._
The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.
Houston, TX: $119,400 - $136,200 for Analyst, Specialty Underwriter & Portfolio Manager
Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.
This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.
Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.
This role is expected to accept applications for a minimum of 5 business days.
No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. 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 City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.
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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).