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Capital One
Capital One

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What is it like to work at Capital One?

Capital One is a company that prioritizes innovation, collaboration, and customer-centricity, fostering a culture that encourages employees to take calculated risks and think creatively. The company's team structure is designed to promote cross-functional collaboration, with employees working in agile teams to drive business outcomes and deliver exceptional customer experiences. Working at Capital One may appeal to candidates who are passionate about technology, data-driven decision-making, and making a positive impact on people's financial lives, with opportunities to grow professionally and contribute to a mission-driven organization.

What makes Capital One an attractive place to work?

Capital One is a leading financial services company that has established itself as a forward-thinking and customer-centric organization, with a strong presence in the digital banking industry. The company offers a dynamic work environment that fosters innovation, collaboration, and professional growth, with opportunities for employees to work on cutting-edge projects and develop their skills in a supportive and inclusive culture. By joining Capital One, individuals can contribute to the company's mission of helping people improve their financial health and achieve their goals, while also advancing their own careers and personal development.

Do workers at Capital One get paid breaks?

Yes. Most people get paid breaks.
81% of people say they get paid breaks.
Based on data from 53 people who took the Breakroom Quiz between August 2025 and July 2026.

Does Capital One pay people when they’re sick?

Yes. Most people get paid when they’re sick.
81% of people say they would get paid if they were sick but scheduled to work.
Based on data from 57 people who took the Breakroom Quiz between August 2025 and July 2026.

At Capital One, are sick days and vacation days separate paid time off?

Sick days and vacation days are used from the same paid time off.
82% of people say they have to use vacation days when they’re out sick.
Based on data from 57 people who took the Breakroom Quiz between August 2025 and July 2026.

Is the health insurance from Capital One affordable enough for their workers?

Most people say the health insurance costs are okay.
90% of people say the health insurance costs are okay
Based on data from 49 people who took the Breakroom Quiz between August 2025 and July 2026.

Do people get paid time off at Capital One?

Most people get paid time off work.
95% of people say they get paid time off.
Based on data from 60 people who took the Breakroom Quiz between August 2025 and July 2026.

How far ahead of time do people find out their work schedule?

Only some people find out their schedule four weeks ahead of time.
  • 38% of people with changing schedules find out their shifts one week or less ahead of time.
  • 11% of people with changing schedules find out their shifts two weeks ahead of time.
  • 13% of people with changing schedules find out their shifts three weeks ahead of time.
  • 38% of people with changing schedules find out their shifts four weeks or more ahead of time.

Based on data from 47 people who took the Breakroom Quiz between December 2024 and July 2026.

Do workers at Capital One worry about hours?

Most people don’t worry about getting enough hours.
93% of people report they don’t worry about getting enough hours.
Based on data from 98 people who took the Breakroom Quiz between December 2024 and July 2026.

Do Capital One workers get to choose the shifts they work?

Some people don’t get to choose which shifts they work.
45% report that they don’t have enough control over which shifts they work.
Based on data from 83 people who took the Breakroom Quiz between December 2024 and July 2026.

How easy is it for Capital One workers to change shifts?

Some people find it hard to change shifts.
45% of people report that it’s hard to change shifts if they need to.
Based on data from 73 people who took the Breakroom Quiz between December 2024 and July 2026.

How easy is it to get time off at Capital One?

Most people find it easy to get time off.
76% of people report it’s easy to get time off.
Based on data from 55 people who took the Breakroom Quiz between August 2025 and July 2026.

Do Capital One managers change schedules at the last minute?

Most managers don’t change people’s schedules at the last minute.
92% of people say their manager doesn’t change their shift schedule at the last minute.
Based on data from 103 people who took the Breakroom Quiz between December 2024 and July 2026.

Do jobs at Capital One spill into time workers aren’t paid for?

Rarely. The job doesn't usually spill into unpaid time.
7% of people report that their job takes up time that they don’t get paid for.
Based on data from 102 people who took the Breakroom Quiz between December 2024 and July 2026.

How easy is it to take sick days at Capital One?

Most people find it easy to take sick days.
70% of people report that it’s easy to take time off if they are sick.
Based on data from 54 people who took the Breakroom Quiz between August 2025 and July 2026.

Is a Capital One job good for students?

Most students say this is a good place to work if you’re studying.
91% of students report this is a good place to work if you’re studying.
Based on data from 23 people who took the Breakroom Quiz between December 2024 and July 2026.

Is working at Capital One good if you’re a parent or caregiver?

Most parents and caregivers say this is a good place to work.
81% of people who care for a child or other relative report this is a good place to work.
Based on data from 31 people who took the Breakroom Quiz between August 2025 and July 2026.

Do people at Capital One feel treated with respect by their managers?

Most people feel treated with respect by their managers.
81% of people say they’re treated with respect by their managers.
Based on data from 57 people who took the Breakroom Quiz between August 2025 and July 2026.

Do people at Capital One get to take their breaks without interruption?

Most people get breaks without interruption.
88% of people report that they get to take their breaks without interruption.
Based on data from 52 people who took the Breakroom Quiz between August 2025 and July 2026.

Is it stressful to work at Capital One?

Most people feel stressed out here.
79% of people say they often feel stressed out at work.
Based on data from 56 people who took the Breakroom Quiz between August 2025 and July 2026.

Do people at Capital One enjoy their jobs?

Only some people enjoy their job.
45% of people report they don’t enjoy their job.
Based on data from 51 people who took the Breakroom Quiz between August 2025 and July 2026.

Do people at Capital One recommend working with their team?

Only some people recommend working with their team.
60% of people report that they wouldn’t recommend working with their immediate team to a friend.
Based on data from 60 people who took the Breakroom Quiz between August 2025 and July 2026.

Do people get enough training when they start at Capital One?

Most people got enough training when they started.
74% of people report they got enough training when they started working here.
Based on data from 58 people who took the Breakroom Quiz between August 2025 and July 2026.

Do people get support to advance at Capital One?

Only some people are given support to advance their career here.
In the last year, 34% of people report not being given support to advance their career here.
Based on data from 50 people who took the Breakroom Quiz between August 2025 and July 2026.

Do people think Capital One’s headquarters understands what’s happening where they work?

Most people think headquarters doesn’t understand what’s happening where they work.
75% of people think that this employer’s headquarters or owners don’t have a good understanding of what’s really happening where they work.
Based on data from 52 people who took the Breakroom Quiz between August 2025 and July 2026.

Do workers feel well informed about how Capital One is doing?

Only some people feel well informed about how the company is doing.
44% of people feel that they aren’t kept well informed about how the company is doing as a whole.
Based on data from 54 people who took the Breakroom Quiz between August 2025 and July 2026.
What other companies are hiring for Underwriter jobs?
What are the most popular jobs at Capital One?
What are the most popular categories at Capital One?
Infographic showing various Underwriter job openings at Capital One in the United States as of July 2026, with employment types broken down into 98% Full Time, and 2% Part Time. Highlights an 91% Physical, 3% Hybrid, and 6% Remote job distribution.

Analyst, Specialty Underwriting and Portfolio Management - Corporate & Sponsor Lending

Capital One

Mclean, VA • On-site

Full-time

Posted 10 days ago

Capital One rating

7.7

Company rating: 7.7 out of 10

Based on 146 frontline employees who took The Breakroom Quiz

91st of 170 rated banks

Job description

Analyst, Specialty Underwriting and Portfolio Management - Corporate & Sponsor Lending
The Commercial Underwriting and Portfolio Management organization is responsible for working with internal partners to underwrite new transactions and manage the existing portfolio of loans. Our Underwriters and Portfolio Managers balance supporting the Commercial's Bank's growth and ensuring we have a scalable, well-managed business.
This role supports the Corporate & Sponsor Lending - Cash Flow (CSL-Cash Flow) line of business. Capital One's CSL-Cash Flow group includes the Diversified Industries, Food & Beverage, Healthcare and TMT industry verticals within the Middle Market Bank. The group provides financing to medium to large companies for mergers and acquisitions, corporate growth, balance sheet re-financings and recapitalizations. The CSL-Cash Flow portfolio consists of over 560 clients and $30 billion in credit exposure. The CSL-Cash Flow Portfolio Management team is responsible for all portfolio management activities.
Primary Roles and Responsibilities:
  • Act as the primary account manager for a portfolio of ~15 loan accounts
  • Evaluate accounts and credit facilities by performing financial statement analysis, reviewing spreads, calculating adherence to compliance statements & loan covenants, and assessing the overall risk within the client's business, industry, customer base and geography
  • Ensure portfolio data is accurate, timely, and complete to ensure strong quality and reporting capabilities
  • Perform research and analysis of industry and market data to complete financial projections
  • Ensure compliance with credit policies and procedures for existing accounts
  • Compile and synthesize loan, market and company information to complete annual client reviews, and other non-material loan amendments
  • Support underwriting team on material loan modifications including renewals, refinancing's and recapitalizations by assisting with due diligence, financial analysis and financial modeling
  • Prepare and present account updates to senior leadership during quarterly portfolio review
  • Work with internal partners to assist with closing process requirements

While in the role of Portfolio Analyst, you will experience the following:
  • Detailed coaching and development of current portfolio analyst skills
  • Exposure to clients through the participation in client calls and on-site visits
  • Exposure to more complex UW through mentorship with seasoned UW's, deal shadowing and other learning opportunities
  • Formal career guidance to assist in obtaining future roles within UW&PM

Basic Qualifications:
  • Bachelor's Degree or Military Experience
  • At least 2 years of experience in credit underwriting, portfolio management or asset management

Preferred Qualifications:
  • Bachelor's Degree in Accounting or Finance
  • Completed coursework or training in credit risk management

***At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
#UWPM
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.
Chicago, IL: $119,400 - $136,200 for Analyst, Specialty Underwriter & Portfolio Manager
McLean, VA: $131,300 - $149,800 for Analyst, Specialty Underwriter & Portfolio Manager
Plano, TX: $119,400 - $136,200 for Analyst, Specialty Underwriter & Portfolio Manager
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.
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 RecruitingAccommodation@capitalone.com. 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 Careers@capitalone.com
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).

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