Credit Analyst, Commercial Real Estate

Credit Analyst, Commercial Real Estate

Capital One is active in all aspects of the Commercial Real Estate arena with extensive experience in permanent and construction loans for a broad range of projects including multifamily housing, retail, office buildings, student housing, industrial and parking facilities. Our Multifamily Finance Team is a part of Capital One's broader Commercial Real Estate Business (CRE) and in addition to generating loans for our balance sheet, is one of the largest originators of Fannie Mae, Freddie Mac and FHA loans.

The Commercial Real Estate Credit Analyst will work closely with underwriters and loan closers to manage deals through the underwriting process.

Job Responsibilities :

• Analyzes commercial loan requests via credit analysis write-up, including but not limited to : completing financial statement and rent roll spreads and preparation of financial statement projection models and analysis.
• Initiates deals by managing application circulation, deal folders, and hand off calls.
• Assists with Insurance reviews by obtaining broker contacts and flood determinations.
• Manages data into workflow / data management systems in support of underwriting, asset management and closing activities.
• Ensures data integrity and assists with applicable remediation activities.
• Creates packages of exhibits in order to obtain customer due diligence.
• Manages credit files, and serves as additional point of contact for documents.
• Obtains bids, engages, and schedules site inspections with third party vendors.
• Distributes information and reports from third party data sources.
• Executes credit checks on all deal parties to ensure compliance to Bank, Agency and Federal regulations and guidelines.
• Manages deal deposit and cost accounting summaries, and tracks vendor payments.
• Uploads documents and manages data via Agency systems.
• Tracks compliance using standard tools and processes, and completes file audits.
• Supports CRA data management and reporting.

Basic Qualifications :

Preferred Qualifications :

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

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

McLean, VA : $80,100 - $91,400 for Commercial Credit Analyst Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate's offer letter. This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and / or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.

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 (EOE, including disability / vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. 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.