Sr. Manager - Commercial Card Underwriting, Portfolio Management

Sr. Manager - Commercial Card Underwriting, Portfolio Management

Business Cards & Payments (BC&P) | Build the Future.

At BC&P, we bring a builder's mindset to work, just like the business owners we serve. Small businesses are a different kind of customer. They're the people turning ideas into opportunities, and opportunities into livelihoods. When we build for them, we build something bigger. That's why we have a high bar for quality. We own the work end to end, turning today's insights into tomorrow's results, together.

• We're relentlessly curious.

• We ask the hard questions.

• We make space for the best ideas to win.

Because that's how we create impact we can be proud of.

The Underwriting and Portfolio Management organization is responsible for working with internal partners to underwrite new transactions and manage the existing portfolio of loans. Supporting our Business Cards & Payments business, our Underwriters and Portfolio Managers balance supporting resilient growth while ensuring we have a scalable, well-managed business.

As a Sr. Manager in this space, you demonstrate subject matter expertise in credit risk management and are expected to perform responsibilities independently. In addition to your own job duties, you may play a leadership role across deal teams by guiding and shaping more junior associates. You are trusted with the most complex transactions and to solve unique problems because of your experience and job specific skills.

Primary underwriting responsibilities may include :

• Lead new originations and scheduled review process and calls; evaluate deals to draw relevant conclusions on material strengths, risks, and mitigants

• Develop junior team members in financial statement analysis and cash flow analysis

• Prepare and review financial models independently

• Coordinate with deal team on appropriate structuring options or overrides to financial models

• Write and prepare all parts of the credit approval document; may serve as second approver for members of the team; take a leadership role in conversations with internal partners

• Oversee closing process requirements; review closing memo

• Interact directly with customers to articulate credit decisions or conduct further due diligence

• Drive overall deal process and lead communication with internal and external constituents; constructively improve deal process

• Delegate spreading and risk ratings to analysts or contractor teams

• Prepare and/or review profitability models independently; understand drivers for pricing model outputs and consider areas for increasing returns

Primary portfolio or asset management responsibilities may include :

• Manage a portfolio of accounts independently; review and monitor portfolio accounts’ health and performance against expectations; drive customer retention

• Proactively anticipate issues, draw parallels from other accounts to own account; resolve problem accounts in partnership with other teams and specialists

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

• Facilitate and lead ad hoc and quarterly portfolio reviews

• 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

Additional Responsibilities may include :

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

• Interact directly with customers to cultivate strong relationships while balancing risk and return

• Interpret data into actionable reporting

• Participate in internal initiatives to ensure the business is well-managed and operates efficiently

Basic Qualifications :

• Bachelor’s Degree or Military Experience

• At least 5 years of experience in credit underwriting, portfolio or asset management

• At least 2 years of people leadership experience or at least 2 years of peer coaching experience

Preferred Qualifications :

• Bachelor's Degree in Accounting or Finance

• 7+ years of experience in credit underwriting, portfolio or asset management

• 1+ years of Process Management experience

At this time, Capital One will not…