Analyst, Portfolio Management (Support Key's Equipment Finance Portfolio Monitoring Group and Underwriting Group)

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Job Summary
The Analyst, Portfolio Management is an individual contributor responsible for supporting the Portfolio Management team in their financial analysis and preparation of underwriting documents to support multimillion-dollar corporate credit requests that grow funded assets and Key's client base, while maintaining asset quality within a moderate risk profile. These requests include obtaining initial approval for new credit exposure (e.g., revolving credit facilities, term loans, leases, foreign exchange products, derivatives products, and other ancillary products) and amendments to existing exposure. The Analyst also assists the team with ongoing credit monitoring and risk rating of corporate clients and gathering and supporting the review of legal documentation. This individual should demonstrate emerging leadership skills within credit underwriting and portfolio management; they may work independently on assigned tasks, but generally under the supervision of other Portfolio Managers (PMs) on a deal team. As part of the first line of defense, Analyst PMs are expected to consistently demonstrate a solutions-oriented, growth mindset that is supportive of line of business goals while still maintaining a moderate risk appetite and upholding asset quality.

This position will support KeyBank’s KEF Portfolio Monitoring Group and KEF Underwriting.  The KEF Portfolio Monitoring Group completes annual reviews and other portfolio monitoring activities on a large portfolio consisting of municipal borrowers, vendor deals, solar panel transactions, and commercial and industrial (C&I) equipment loans.  KEF Underwriting analyzes the underlying borrower, recommends structures for lease/loan financing for middle market and large corporate clients, and creates credit approval documents which are the basis for credit adjudication. This role may assist other teams as needed.

Essential Functions

• Gather and analyze relevant financial data for clients or prospects, including spreading financial statements and/or collaborating with third party vendor to ensure accuracy of financial spreads statements, analyzing historical performance, accurately calculating credit metrics, and supporting the identification of risks, mitigants and determination of creditworthiness.
• Model future financial performance of clients and prospects, including downside scenarios.
• Prepare credit underwriting documents identifying credit risks and mitigants, industry concerns, market share trends, financial trends, and other pertinent credit issues.
• Ensure compliance with all regulations.
• Participate in the approval process for lending commitments, amendments, waivers, and consents, including providing monitoring and reporting.
• Support PM teammates as needed with the review and maintenance of necessary legal documentation including credit agreements, guarantees, security pledges, and collateral documentation to ensure that the documentation correctly reflects approval from credit.
• Perform ongoing monitoring of financial performance and covenant compliance, supporting the accuracy and timeliness of risk rating changes. Ensure data integrity in Key's systems and reporting.
• Identify potential credit concerns and escalate to PM deal team as appropriate to support and/or improve the bank's credit position.
• Participate and attend management presentations, bank meeting and site visits as appropriate to support the monitoring of business conditions and creditworthiness.
• Conduct in-depth analysis and research on issuers and borrowers across various sectors through close, in-office collaboration with team members and access to on-site resources.
• Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice
• Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key’s clients and Key.

Education

• Bachelor's Degree or equivalent work experience in finance, accounting, economics and/or business (required)

• OR equivalent experience (required)

Work Experience

• Experience in financial and/or borrower analysis (required)
• Experience preparing credit write-ups and/or capital markets analysis (preferred)
• Underwriting experience preferred
• Banking experience preferred
• Treasury, finance or accounting experience preferred

Skills

• Competent with Microsoft Office and the ability to learn and effectively utilize other technology applications.
• Ability to gather relevant research, analyze data, and synthesize information to draw conclusions and produce insights.
• Foundational understanding of banking and investment banking products and services.
• Effective presentation and communication skills, with the ability to collaboratively make an impact.
• Ability to plan, multi-task, manage time effectively, and lead work independently at times, with supervision of senior team members.
• Financial & Credit Acumen - Working Knowledge Level • Demonstrates an understanding of foundational accounting principles and can interpret and analyze financial statements (balance sheets, income statements, cash flow statements) to assess a company's financial health and ability to meet its obligations. • Able to effectively utilize various tools and techniques, including financial ratios, to evaluate a borrower's financial strength and assess risk.
• Sound Judgement - Working Knowledge Level • Able to carefully evaluate the impact of all emerging and/or existing considerations and choose the best path forward using informed, rational, and effective decision-making techniques in various lending and business situations.
• Communication - Experienced Level • Able to clearly, concisely, and persuasively convey information, whether verbal, written, or nonverbal. • Able to effectively synthesize large amounts of complex information into a more consumable summary. • Consistently demonstrates a focus on keeping clients partners, and teammates informed as to the real-time status of important matters.
• Effective Transaction Management – Working Knowledge Level • Able to effectively shepherd a transaction through all required stages, while staying organized, meeting deadlines, managing risk, and ensuring a favorable experience for the client.
• Effective Risk Management (including Loan Documentation) – Working Knowledge Level • Able to effectively identify, assess, and control potential risks involved with corporate lending. • Properly grading loans to reflect their risk level and ensuring accurate risk ratings. • Able to effectively interpret and negotiate credit agreements and loan documentation. • Understanding how specific loan terms and conditions can be employed to mitigate risk of loss. • Ensure accuracy in loan documentation and seek credit approval related to documentation that deviates from Key’s standard form (e.g. ISDAs)
• Client-Focused - Working Knowledge Level • Consistently putting the needs, goals, and experience of the client at the center of decisions, behaviors, and solutions. • Understanding what matters to the client and delivering value that helps them succeed. • Listening, anticipating needs, and tailoring solutions to meet client needs.
• Proactive Time Management - Experienced Level • Demonstrated ability to take initiative, set clear objectives, and prioritize tasks to meet deadlines, maximize productivity, and minimize stress. • Able to successfully identify which tasks are urgent (requiring immediate attention) and which are important (contributing to long-term goals). • Able to effectively multitask and balance competing priorities. • Habitually working with energy and commitment; industrious.
• Collaboration & Teamwork - Experienced Level • Effectively working with others to reach a shared goal. • Consistently displaying a willingness to shoulder a fair share of the workload in addition to helping others meet their objectives.
• Accountability - Experienced Level • Consistently taking ownership of one's actions, decisions, and performance, and being responsible for achieving the agreed-upon outcomes. • Being reliable, dependable, and fulfilling commitments. • Able to be relied upon as honest and truthful.
• Resilience & Ability to Manage Ambiguity - Working Knowledge Level • Able to withstand or recover quickly from stressful or difficult conditions. • Able to move forward with less than perfect, or incomplete, information and ability to flexibly and comfortably adapt to changing work demands.
• Critical Thinking & Intellectual Curiosity - Experienced Level • Able to identify, evaluate, and interpret information, and question assumptions to reach well-supported, evidence-based conclusions. • Open-minded and eager to seize opportunities to learn, grow, acquire knowledge, and expand skill set.
• Leadership & Influencing - Working Knowledge Level • Demonstrates the ability to influence and inspire, motivate, empower, and guide others towards a common goal. • Consistently displays the highest standards, values, and behaviors, inspiring others to follow, and setting a model for excellence.

Core Competencies

• All KeyBank employees are expected to demonstrate Key’s Values and abide by Key’s Code of Conduct.

Physical Demands

• General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.

Travel

• Occasional travel to include overnight stay.

Work Location Category

• Hybrid (3+ days)

COMPENSATION AND BENEFITS

Please click here for a list of benefits for which this position is eligible.

Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.

Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.