Underwriting & Portfolio Management Associate - Security Finance, Corporate Banking - Capital One

Job ID R71154

Updated date 03/20/2019

Location Bethesda, Maryland

Bethesda Metro Center (17049), United States of America, Bethesda, MarylandAt 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.Underwriting & Portfolio Management Associate - Security Finance, Corporate BankingCapital One Commercial Bank’s growing Financial Institutions Group (FIG) within Corporate Banking has a need for an AVP/Associate in Underwriting & Portfolio Management (UWPM) to join its Security Finance team. The Security Finance team provides financing solutions to companies in the physical security sector.   The incumbent will assist in the structuring, underwriting and closing of senior secured term loans, revolving credit facilities and asset based loans. Responsibilities include, but are not limited to, transaction due diligence, collateral analysis, cash flow modeling, credit approval, legal documentation review, and closing. The individual will primarily underwrite new transactions and manage and monitor existing portfolio accounts.Specific responsibilities include, but are not limited to:

  • Assist in the drafting of pre-screen memos, credit approval memos, collateral analysis, cash flow modeling, and risk rating assessment for loans to companies in the physical security sector.
  • Assist in the evaluation of potential transactions to determine the quality of lending opportunities and appropriate transaction structure.
  • Identify specific merits, risks and mitigants for each transaction.
  • Assist in performing due diligence including industry, company and financial analysis.
  • Perform internal deal screening, risk analysis, and pricing analysis and assist with the internal credit approval process.
  • Evaluate risk/return dynamics for proposed transactions.
  • Perform on-site due diligence, as applicable.
  • Research industry and company information and produce market commentary.
  • Exhibit a sense of urgency towards meeting client requests while also meeting acceptable risk parameters.
  • Assist in all operational aspects of a transaction from deal initiation to close.
  • Assist in managing existing portfolio of accounts, monitoring ongoing financial performance and covenant compliance.
  • Provide support to firm’s capital markets and syndication teams in assisting investors with transaction evaluation, including actively discussing key investment considerations and answering diligence questions.

Basic Qualifications:

  • Bachelor’s Degree or Military Experience.
  • At least 3 years of financial services experience.

Preferred Qualifications:

  • Finance or Accounting Degree.
  • At least 3 years of asset based or leveraged lending, private equity, investment banking or accounting experience.
  • Completion of a commercial or investment banking training program.
  • Experience working in a team environment, while interacting with multiple teams and multiple deals concurrently.
  • Proficient in Microsoft Word, Excel, and PowerPoint.

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.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 This email address is being protected from spambots. You need JavaScript enabled to view it.. 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 One’s recruiting process, please send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.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).