Career Center

• Proactively manages the portfolio to both maximize profitability and ensure strong asset quality through consistent and timely identification and resolution of issues as well as accurate assessment and assignment of loan risk ratings. Assists in resolving out-of-balance and/or other default situations which may occur in the portfolio. 
• Assists and supports in structuring and facilitating credit and non-credit product delivery while demonstrating sound risk management and maximizing risk adjusted returns on shareholder capital (assess the materiality of risks and appropriately mitigate/match with transaction return expectations). 
• Actively supports Key’s asset generation strategy which balances risk and return. Supports the team’s consultative process to deepen existing relationships, on-board new relationships and exit unprofitable relationships. Participates in call preparation.
• Serves as the trusted advisor the clients and prospects. Establishes strong credibility with internal and external stakeholders (clients, colleagues, credit, and servicing) based on sound judgement and accurate and timely information sharing. Shares constructive and regular feedback with teammates and stakeholders.
• Partners effectively with Credit, Product Partners, Closers, Servicing, technical services, and other partners to identify cross-sell opportunities and deepen client relationships as well as solve internal obstacles and deliver a seamless execution.
• Provides analysis of business and personal financial statements, and identification of transaction strengths and weaknesses to inform the deal structures, pricing and terms.
• Delivers timely and accurate completion of write-ups, loan recommendations and structuring, analysis of business and personal financial statements, identification of transaction strengths and weaknesses.
• Analyzes and underwrites construction and interim loans to the requirements as set forth by KeyCorp credit policy.
• Coordinates and completes annual reviews, loan renewals, quarterly portfolio reviews, and asset quality reports on a timely basis. Monitors assigned portfolio for adherence to approved loan requirements and manage past dues, requirement ticklers, portfolio follow-up, credit files, etc. Works with Portfolio Services department to facilitate completion of annual reviews and property inspections, monitoring of covenant compliance and other items to secure the Banks position and avoid potential losses.
• Identifies opportunities to provide the client with knowledge and access to the breadth of Key’s product platform which includes: interim and permanent credit facilities, cash management, interest rate management, syndications, private equity, subordinated debt, deposits, leasing, private banking, equipment finance, etc. 
• Participates in community and professional organizations which enhance our expertise and profile.
• Provides guidance and training to junior portfolio managers and management associates on underwriting, adherence to lending policy and pipeline management.

Required Qualifications 

Bachelor’s degree in accounting, finance or related field, or equivalent experience At least 3-5 years of commercial real estate underwriting and/or lending experience Strong proficiency in MS Office suite, spreadsheets, Internet applications, and common business software Demonstrated ability to communicate effectively in both written and verbal communications

Preferred Qualifications

Master of Business Administration.  Broad knowledge of key product areas, such as interim and permanent credit facilities, cash management, interest rate management, syndications, private equity, subordinated debt, deposits, leasing, private banking, equipment finance, etc.  Experience in credit and/or workout teams