Associate Portfolio Management; Specialty Finance Lending

Location

1000 South McCaslin Boulevard, Superior Colorado

The Associate, Portfolio Management is an individual contributor responsible for performing financial analysis and preparing underwriting documents to support multimillion-dollar corporate credit requests. They obtain initial approval for new credit exposure such as revolving credit facilities, term loans, leases, foreign exchange products, derivatives and other ancillary products, and amendments to existing exposure. The role also involves ongoing credit monitoring and risk rating for a portfolio of corporate clients, reviewing legal documentation, and assisting product partners in cross‑selling additional bank products.

The Associate demonstrates emerging leadership skills, working independently or with other Portfolio Managers. As a first line of defense, Associate PMs maintain a solutions‑oriented, growth mindset, moderate risk appetite, and asset quality in line with line‑of‑business goals.

Key Bank Specialty Finance Lending (KBSFL) Associate identifies and evaluates risk for a portfolio of highly structured transactions. Responsibilities include reviewing loan and lease documentation, performing facility monitoring, analyzing credit risk, preparing portfolio reports, conducting annual reviews, compiling information for internal and external examinations, and performing additional duties as assigned.

• Perform credit and risk monitoring of highly structured Specialty Finance transactions.
• Review loan and lease documentation to evaluate deal structure and ensure covenant compliance.
• Analyze and assess customer and transaction exposures and concentrations within the KBSFL portfolio and individual deals.
• Prepare minor amendments and waivers, as needed.
• Recommend credit strategies to mitigate portfolio risks.
• Perform periodic reviews of existing portfolio deals, assessing equipment/collateral and evaluating transactional, operational and credit risk.
• Recommend appropriate risk ratings for transactions.
• Identify problem loans and leases and support workout efforts as needed.
• Compile information as requested for internal and external examinations, reviews and audits.
• Ensure compliance with Key Corp and KBSFL policies and procedures, evaluating risks in accordance with those policies.
• Escalate issues as appropriate.
• Gather and analyze all relevant financial data for clients or prospects, including spreading financial statements and collaborating with third‑party vendors for accuracy.
• Model future financial performance of clients and prospects, including downside scenarios.
• Assist Business Partners/Bankers/Relationship Managers in structuring transactions.
• Perform enhanced leveraged cash flow due diligence when appropriate (e.g., in specific Banking Group Portfolio Management specialty groups).
• Prepare a thorough credit underwriting document identifying credit risks and mitigants, industry concerns, market share trends, financial trends, and other pertinent credit issues.
• Ensure compliance with regulations including Know Your Customer (KYC), MCA, Patriot Act and OFAC checks, and certifying Beneficial Ownership.
• Manage the approval process for lending commitments, amendments, waivers, and consents, providing monitoring, reporting and recommendations to Credit Executives as appropriate.
• Review and properly maintain all necessary legal documentation including credit agreements, guarantees, security pledges and collateral documentation to ensure accuracy.
• Monitor accounts/ongoing financial performance of the portfolio to track covenant compliance, determine liquidity, earnings trends and other essential information to minimize potential losses. Ensure data integrity in Key’s systems and reporting; keep all assets appropriately risk‑rated with timely changes.
• Identify potential problem accounts and work with the Asset Recovery Group, as appropriate, 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 and business opportunities.
• Contribute to white papers…