Associate Portfolio Management – Commercial Upper Middle Market Team

KeyBank

. Perform financial analysis and prepare underwriting documents for multimillion-dollar corporate credit requests .

Posted 10/7/2026full-timeUnited StatesJuniorMid-Level💰 $80,000 - $150,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in financial analysis, credit underwriting, and risk assessment, with a strong ability to interpret financial statements and manage corporate lending processes. Proficient in compliance with regulatory requirements and effective communication with clients and stakeholders.

Highest-signal resume keywords

Financial AnalysisCredit UnderwritingRisk AssessmentRegulatory ComplianceClient Relationship Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial ModelingCredit Risk EvaluationFinancial Statement AnalysisCredit Agreement NegotiationSyndicated Debt StructuringCash Flow AnalysisCredit Metrics CalculationKYC ComplianceMCA/Patriot Act ComplianceOFAC Compliance

Soft Skills

Effective CommunicationTime ManagementMultitaskingProblem SolvingTeam Collaboration

Tools & Technologies

Microsoft OfficeFinancial Analysis Software

Industry Keywords

Commercial UnderwritingCorporate LendingBanking ProductsFinancial ServicesCredit Risk Management

About the role

Key responsibilities & impact

Perform financial analysis and prepare underwriting documents for multimillion-dollar corporate credit requests
Support approval of new credit exposure, including revolving credit facilities, term loans, leases, foreign exchange products, derivatives, and ancillary products
Process amendments to existing credit exposure
Monitor credit and risk-rate a portfolio of corporate clients, primarily involving participation in syndicated deals
Review legal documentation, including credit agreements, guarantees, security pledges, and collateral documentation
Assist product partners with cross-selling additional bank products
Gather and analyze client and prospect financial data, spread financial statements, calculate credit metrics, identify risks and mitigants, and assess creditworthiness
Model future financial performance, including downside scenarios
Assist Business Partners, Bankers, and Relationship Managers in structuring transactions
Perform enhanced leveraged cash flow due diligence when appropriate
Prepare thorough credit underwriting documents covering credit risks, mitigants, industry concerns, market share trends, financial trends, and other pertinent issues
Ensure compliance with KYC, MCA/Patriot Act, OFAC, and Beneficial Ownership requirements
Manage approval processes for lending commitments, amendments, waivers, and consents
Provide monitoring, reporting, and recommendations to Credit Executives as appropriate
Maintain data integrity and ensure assets remain appropriately risk rated with timely changes
Identify potential problem accounts and work with the Asset Recovery Group
Establish and maintain direct client relationships; attend management presentations and bank meetings; conduct plant/site visits as appropriate
Identify new underwriting and additional bank product opportunities
Contribute to Industry group white papers
Provide guidance and feedback to Analysts
Gather and prepare data for ad hoc requests
Work independently or under the supervision of Portfolio Managers on deal teams
Perform other duties as assigned and comply with KeyBank policies and procedures

Requirements

What you’ll need

Bachelor's Degree or equivalent work experience in finance, accounting, economics and/or business (preferred)
Master's Degree/MBA (preferred)
Minimum 3 years of commercial underwriting, credit, banking and/or financial services experience (required)
Understanding of foundational accounting principles and ability to interpret and analyze balance sheets, income statements, and cash flow statements
Ability to use financial ratios and other tools to evaluate borrower financial strength and risk
Ability to evaluate lending and business situations and make informed decisions
Clear, concise, and persuasive verbal and written communication skills
Ability to manage transactions through required stages, meet deadlines, manage risk, and maintain organization
Ability to identify, assess, and control risks in corporate lending; grade loans and maintain accurate risk ratings
Ability to interpret and negotiate credit agreements and loan documentation
Initiative, prioritization, multitasking, and time-management skills
Ability to work effectively with others and take ownership of actions and outcomes
Ability to adapt to stressful, difficult, or changing work demands
Ability to evaluate information, question assumptions, and reach evidence-based conclusions
Ability to influence, motivate, empower, and guide others
Competent with Microsoft Office and able to learn and effectively use other technology applications (required)
Competence in financial analysis and modeling
Ability to research, analyze data, and synthesize information to assess corporate creditworthiness and create underwriting packages
Emerging experience structuring financial covenants for syndicated debt facilities
Developing experience managing the left lead/administrative agent role in syndicated deals
Ability to lead client discussions and act as primary lending representative under appropriate supervision
Foundational knowledge of business and legal elements of credit agreements
Ability to collaborate with counsel on document negotiations for agented transactions and/or assist lead syndicator
Foundational understanding of banking and investment banking products and services
Effective presentation and communication skills
Ability to plan, multitask, manage time effectively, and frequently lead work independently
Must comply with KeyBank policies, procedures, values, and Code of Conduct
General office physical requirements, including prolonged sitting, face-to-face and telephone communication, frequent PC/laptop use, and occasional lifting/pushing/pulling of items up to 10 lbs.

Benefits

Comp & perks

Eligibility for incentive compensation, which may include production, commission, and/or discretionary incentives
Hybrid work arrangement with 3+ days in office and flexible options where work can be performed effectively in a mobile environment
Occasional travel may include overnight stay
Reasonable accommodations for qualified individuals with disabilities or disabled veterans