Portfolio Analyst, Income Property Group

KeyBank•Boston, MA

16h•$71,000 - $125,000•Hybrid

About The Position

The Portfolio Manager Analyst (PMA) provides relationship management support for an assigned portfolio of clients who are primarily active commercial real estate owners, investors, and developers. PMAs work in strong partnership with other Portfolio Managers and Relationship Managers to provide comprehensive financial advice and solutions that enable clients to meet their financial objectives and utilize the full breadth of Key's product platform. PMAs help drive the financial performance of the team's revenue and risk management goals through portfolio management activities including credit monitoring, file maintenance, on-going covenant compliance verification, business development and lending/sales support, and operational support.

Requirements

Bachelor's Degree in accounting, finance or related field (preferred) OR equivalent experience (required)
1+ years of finance-related experience (preferred)
Proficiency in MS Office suite, spreadsheets, Internet applications, and common business software (preferred)
Demonstrated ability to communicate effectively in both written and verbal communications (preferred)
Outstanding credit skills, analytical skills, and financial acumen
Excellent communication and listening skills
Uses analytical approaches to identify issues, evaluate options, and implement effective solutions that support portfolio goals.
Rapidly absorbs new information and adapts to evolving tools, processes, and business priorities.
Uses time effectively and efficiently; can attend to a broad range of activities and keep projects/tasks moving forward within a reasonable and quick timeframe, if necessary.
Makes timely and informed decisions by balancing data insights, stakeholder input, and business impact.
Prioritizes stakeholder needs and delivers solutions that enhance user experience and business value.
Leverages data to support timely and accurate client and operational decisions.

Responsibilities

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 to 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.
Participates in community and professional organizations which enhance our expertise and profile.
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 KeyBank 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.