Commercial Underwriter and Portfolio Manager- Agency Lending

hrough underwriting process with minimal oversight

• Identifies waivers/risks associated with the transactions and provides mitigated recommendation to discuss with their manager

• Provides analysis of Borrowers and Guarantors on deals, including organizational structures, financial and real estate schedule analysis

• Independently complete property inspections and lease audits that conform to Agency requirements

• Reviews third party reports to conform to Agency requirements

• Presents fully completed and analyzed narratives with supporting risk mitigation to their manager

• Higher level external exposure to borrowers and lender counsel

• Ability to oversee the deal due diligence process and lead due diligence calls with borrowers.

• Ability to collaborate with internal and external participants and partners to meet deadlines

• Shows ability to oversee, train and increase their own efficiency through the use of Analysts/Senior Analysts

• Review work of analyst/senior analysts assisting on deals and prescreens

• Develops and presents ideas for policy and process improvements to their manager and platform stakeholders

• Works on special projects as deemed appropriate by their manager

• Participates in structuring deals with manager and production to broaden product knowledge

• Develops and foster relationships with Agency counterparts

• Understands Fannie Mae/Freddie Mac products with an ability to underwrite all product types, including fixed, floating, and supplementals

Basic Qualifications :

• Bachelor's Degree or Military Experience

• At least 5 years of Commercial Real Estate experience

• At least three years of Agency or affordable housing underwriting experience

Preferred Qualifications :

• 5+ years of Agency underwriting experience with knowledge of affordable housing (inclusive of LIHTC and Section 8), and experience reviewing regulatory agreements and real estate tax abatements

• Knowledge of Fannie Mae/Freddie Mac affordable loan products

• Experience with Google Suite and/or Microsoft Office

****At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

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 committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable 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).