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Company

KeyBank · 2 days ago

VP, Portfolio Management (Payments Underwriting)

United States

Full-time

Remote

Mid, Senior Level

$125K/yr - $145K/yr

5+ years exp

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Responsibilities

Gather and analyze all relevant financial data for a client or prospect, including spreading financial statements, analyzing historical performance, accurately calculating credit metrics, identifying risks and mitigants, assessing creditworthiness, etc.

Model future financial performance of clients and prospects, including downside scenarios.

Prepare a thorough credit underwriting document identifying credit risks and mitigants, industry concerns, financial trends, and other pertinent credit issues.

Review enhanced Leveraged Cash Flow due diligence, when appropriate

Assist Payments Advisors/Relationship Managers in structuring transactions, completing risk exposure analyses and developing risk mitigation strategies, as applicable.

Work closely with assigned Acuity Knowledge Partners analyst, who provides outsourced analytical support.

Manage the approval process for requested limits, amendments, waivers, and consents, including making recommendations to Credit Executives

Ensure compliance with Credit Policy and Guidelines, and all Know Your Customer (“KYC”) regulations, when appropriate

Review all necessary legal documentation including payments products client agreements, credit agreements, guarantees, security pledges, and collateral documentation in order to ensure that the documentation correctly reflects approval. Work closely with internal/external counsel, as applicable

Properly maintain documentation and necessary business records

Monitor the ongoing financial performance of portfolio companies and track covenant compliance, liquidity, appropriateness of assigned risk ratings and limit sizes, etc.

Attend client meetings when appropriate; establish rapport with clients’ C-suite.

Proactively identify potential problem credits and work to improve the Bank's position in undesirable situations.

Present work products to various Risk/Credit Committees and Senior Management, as necessary

Prepare white papers on assigned industry segments, as requested.

Assist product partners in cross selling additional bank products.

Provide guidance and feedback to Analysts and Associates

Qualification

Find out how your skills align with this job's requirements. If anything seems off, you can easily click on the tags to select or unselect skills to reflect your actual expertise.

Payments-related banking productsCorporate lendingCreditworthiness assessmentFinancial analysisFinancial modelingData gatheringMicrosoft Office SuitePayments service providers

Required

Minimum of five (5) years of experience in Payments and/or corporate credit Portfolio Management/Credit Risk/Relationship Management

Undergraduate degree in Finance, Accounting, Economics, Business, or related field

Familiarity with payments-related corporate banking products such as ACH, Purchase Card, etc.

Experience with / knowledge of secured and unsecured corporate lending

Demonstrated ability to accurately assess corporate creditworthiness and create a detailed and thorough underwriting package.

Demonstrated competence in financial analysis and financial modeling.

Ability to synthesize large amounts of information concisely and coherently.

Strong data gathering skills and ability to identify and evaluate material diligence issues.

Ability to think critically and handle ambiguity in order to efficiently solve problems and complete tasks.

Ability to plan, multi-task, manage time effectively, and work independently with limited direction.

Have strong interpersonal, communication and relationship building skills.

Ability to communicate professionally, competently, and persuasively in verbal and written formats.

Competency with Microsoft office suite and other applications

Preferred

Minimum of seven (7) years of experience in Payments and/or corporate credit Portfolio Management/Credit Risk/Relationship Management

Experience working with / evaluating complex payment service providers such as Payment Facilitators, Independent Sales Organizations, Third Party Payments Providers, etc.

MBA