Sr. Manager - Commercial Credit Officer - Real Estate Finance - Capital One

Job ID R74371
Updated date 04/26/2019
Location McLean, Virginia; Bethesda, Maryland; New York, New York


McLean 1 (19050), United States of America, McLean, Virginia

At Capital One, we’re 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.

Sr. Manager - Commercial Credit Officer - Real Estate Finance

Capital One is seeking an Industry Commercial Credit Officer with a background in real estate finance. This candidate will be part of the Credit Risk & Analytics (CR&A) organization, operating in a high-profile environment. The position is primarily responsible for portfolio management activities, and secondarily to provide support to the front-line Credit Officer in the risk assessment activities related to new production, modifications and renewal of existing loans. The candidate will evaluate annual reviews to assess existing and upcoming risk factors, confirm the appropriateness of recommended risk ratings, confirm action plans,  make recommendations when appropriate and communicate risks outside of normal parameters to the front-line Credit Officer. With regard to new transactions, renewals and modifications, the candidate will exercise allocated credit authorities. When outside of specific lending authorities, the loans will be sent to the front-line Credit Officer and/or credit executives with higher credit authorities for approval. For loans sent on to higher credit authorities, the candidate may be asked to provide an analysis and recommendations for the specific request.

The primary objectives of this position are to ensure that commercial loans within the assigned portfolios are within expected credit parameters, comply with policies and procedures, contain appropriate action plans, and are appropriately risk rated. The primary portfolio coverage is Institutional Specialties (Fund Finance, REIT, Agency Warehouse).

On-going Portfolio Management:

- Continuously monitor the credit quality of each transaction/sponsor and overall portfolio quality trends.

- Ensure annual reviews are well-documented and risk ratings are accurate and are based on a forward-looking view.

- Identify deteriorating credits and take appropriate action to mitigate risk; Partner with Special Assets team to transition troubled accounts as needed.

- Collaborate with the Business as a Subject Matter Expert on regulatory and/or compliance requirements.

- Work with the portfolio analytics group within CR&A to develop discrete reporting on portfolio metrics.

- Communicate individual and general risk issues to the front-line Credit Officer.

Risk Assessment (within allocated credit authorities or in support of the front-line Credit Officer):

- Identify the key historical, and future, credit (and non-credit) risks related to a specific transaction/sponsor.

- Develop a well-informed and forward-looking view of the business.

- Evaluate analysis of financial statements and projections to determine potential risks or covenant stress.

- Evaluate the inputs and results of cash flow and valuation models under expected and stressed scenarios to determine the sustainability of the cash flows/values and acceptability of the sources of repayment.

- Provide front-end structuring guidance to business partners and negotiate acceptable solutions that prudently balance risk and return.


Manage Credit Approval Process:

- Ensure all credit exposures and deal renewals/amendments are approved in accordance within existing policies and procedures,  internal Underwriting Standards and external regulatory guidelines; and are appropriately risk rated.

- Review Credit Approval Memos and approve a credit structure appropriate for the risk profile of the Borrower.              - Provide “credible challenge” on each transaction approved

- Be a Strategic Partner with the Line of Business

General Responsibilities:

- Continuously monitor the existing portfolio through individual transaction assessments, and general portfolio monitoring programs.

- Participate in Relationship and Strategic Planning activities and contribute to the assessment of existing and proposed exposures.

- Participate in periodic reviews of the commercial lending portfolios under their purview with the Underwriting and Asset Management staff, including vulnerable assets rated watch, and monitoring delinquent loans.

- Within allocated authorities, review and approve loans on a transactional and relationship basis with policy exceptions identified and mitigated.

- Reviewing and approving overdrafts, operational credit exposure, and the ongoing monitoring of Credit Agreements, etc.

- Serve as a credit thought partner to the First Line.

The Person

The successful candidate will have at least 5 years of commercial real estate financing experience. He or she will have experience understanding and underwriting, structuring, covenanting, risk-rating and pricing simple and complex commercial loan transactions. The individual should have completed formal credit training, have a thorough understanding of credit principles and have mastered the technical requirements of analysis. Other than technical proficiency required, the candidate will most importantly be expected to exhibit good judgment in decision making. Candidate will be pro-active and constructive in making credit decisions and will be able to influence others with fact-based insights. The incumbent will provide a credible challenge to others in the credit decision process with a style based on mutual respect.

Basic Qualifications

- Bachelor’s Degree or military experience

- At least 3 years of experience in commercial real estate finance

Preferred Qualifications

- Bachelor’s Degree with a major in finance or business

- Proficient with credit principles and loan structuring

- Proficient with the technical requirements of analysis

- Proficient with advanced analytical concepts and prior hands-on experience

- Working industry knowledge of commercial real estate

- Completed formal credit training

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 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).