Vice President, Portfolio Management - Specialty Finance Lending

Location

1000 South McCaslin Boulevard, Superior Colorado

The VP, Portfolio Management is an individual contributor responsible for performing financial analysis and preparing 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, occasionally complex, credit exposure (e.g., revolving credit facilities, term loans, leases, foreign exchange products, derivatives products, and other ancillary products) and amendments to existing exposure.

Additionally, the VP, Portfolio Management is responsible for ongoing credit monitoring and risk rating for a portfolio of corporate clients with a complexity profile commensurate to experience (primarily participation in other bank's syndicated deals with a small number of Left Lead deals), reviewing legal documentation, and assisting product partners in cross‑selling additional bank products. This individual should demonstrate leadership skills within credit underwriting and portfolio management;

they may work somewhat independently, or in conjunction with other Portfolio Managers (PMs) on a deal team, providing feedback and guidance to junior staff as appropriate. As part of the first line of defense, Vice President 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.

• Gather and analyze all relevant financial data for high‑value clients or prospects, including financial statement spreads and collaborating with third‑party vendors to ensure accuracy of financial statements.
• Model future financial performance of clients and prospects, including downside scenarios.
• Demonstrate leadership in structuring transactions in collaboration with Business Partners, Bankers, and Relationship Managers.
• Perform enhanced leveraged cash‑flow due diligence when appropriate.
• Prepare a thorough credit underwriting document identifying credit risks, mitigants, industry concerns, market share trends, and other pertinent credit issues.
• Manage the approval process for lending commitments, amendments, waivers and consents, including providing monitoring and reporting recommendations to Credit Executives.
• Review and maintain all necessary legal documentation, including credit agreements, guarantees, security pledges, and collateral documentation.
• Monitor account performance to track covenant compliance, liquidity, earnings trends, management capability and other essential information to minimize potential losses.
• Ensure data integrity in Key's systems and reporting, and keep all assets appropriately risk‑rated at all times.
• Identify potential problem accounts and coordinate with the Asset Recovery Group to improve the bank’s position.
• Establish and maintain direct client relationships.
• Attend management presentations, bank meetings and conduct plant/site visits as appropriate to monitor business conditions and identify new underwriting or additional bank product opportunities.
• Contribute to or prepare white papers on assigned industry segments.
• Provide guidance and feedback to Analysts and Associates.
• Gather and prepare data in response to ad hoc data requests.
• Perform other duties as assigned, with responsibilities that may change over time without notice.

• Bachelor's Degree or equivalent work experience in finance, accounting, economics and/or business (preferred).
• Master's Degree/MBA (preferred).

• 5+ years of commercial underwriting, credit, banking and/or financial services experience (required).

• Demonstrates a strong understanding of foundational accounting principles and can interpret financial statements to assess a company's health.
• Uses financial ratios and other tools to evaluate borrower strength and assess risk.
• Makes well‑informed, rational decisions in various lending and business situations.
• Communicates clearly, concisely and persuasively in verbal, written and nonverbal formats.
• Synthesizes…