Analyst, Portfolio Management; Key's Equipment Finance Portfolio Monitoring Group and Underwriting Group

Analyst, Portfolio Management

Location:

1000 South McCaslin Boulevard, Superior Colorado

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 Key Bank'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 Key Bank 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)

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…