Commercial Real Estate, Underwriter III

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.

Commercial Real Estate, Underwriter III

Commercial Real Estate, Underwriter III

The Commercial Underwriter III is responsible for leading small deal teams in the evaluation of commercial loan applications for new loan facilities, loan renewals, and extensions, all in accordance with business unit standards. Scope of responsibilities includes performing due diligence and gathering information as necessary to make sound lending decisions. The incumbent will also perform other duties as necessary to support the goals and objectives of the Commercial Lending area and the line of business unit.


  • Prepare corporate level, portfolio level and/or asset level analysis in order to evaluate, size and structure loan(s) appropriately.
  • Review and analyze financial statements and cash flow statements of Borrowers and Guarantors.
  • Structure and underwrite credit facilities in a manner which achieves the Banks profitability goals while staying within the Bank's risk parameters.
  • Obtain appropriate market information to support the proposed loan.
  • Direct, oversee, and mentor junior underwriters in their work in supporting credit analysis for assigned approval memoranda.
  • Develop familiarity with all lending policies and procedures of the Bank and the respective Line of Business.
  • Prepare written credit approval memoranda and present them at credit meetings for each deal.
  • Partner with Internal Legal and outside counsel in the negotiation, review of loan documentation to ensure documents meet agreed-upon business terms and satisfy the specific requirements of the credit approval authority.
  • Develop familiarity with the Bank's Dual Risk Rating system to fully understand and be able to determine proper risk ratings for loan facilities.
  • Develop familiarity with various bank products that are offered and how they interface with the sales goals and objectives of the business line.
  • Collaborate with functional partners in developing an open dialogue and strong working relationship, including Credit Risk & Analytics, Commercial Closing Organization and Loan Operations, Internal Credit Review, Special Assets Division, Loan Syndications, Capital Markets, and other groups that support and review the line of business.
  • Develop familiarity with all bank compliance regulatory policies and procedures.
  • Work on special projects as necessary.

Basic Qualifications:
  • Bachelor's Degree or military experience
  • At least 4 years of experience in Commercial Real Estate Underwriting

Preferred Qualifications:
  • Master's Degree
  • At least 5 years of experience in commercial real estate banking or a related industry within commercial real estate, such as commercial real estate debt brokerage, equity investing and non-bank lending
  • Experience in Microsoft Office or Google Suite

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

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