Vice President Underwriting Jobs in Decatur, GA (NOW HIRING)

Location:

127 Public Square, Cleveland Ohio

Job Summary
The VP, Portfolio Management is an individual contributor responsible for performing financial analysis and preparing underwriting documents to support multimillion-dollar corporate credit requests that grow funded assets and Key's client base, while maintaining asset quality within a moderate risk profile. These requests include obtaining initial approval for new, occasionally complex, credit exposure (e.g., revolving credit facilities, term loans, leases, foreign exchange products, derivatives products, and other ancillary products) and amendments to existing exposure. Additionally, the VP, Portfolio Management is responsible for ongoing credit monitoring and risk rating for a portfolio of corporate clients with a complexity profile commensurate to experience (primarily participation in other bank's syndicated deals with a small number of Left Lead deals), reviewing legal documentation, and assisting product partners in cross-selling additional bank products. This individual should demonstrate leadership skills within credit underwriting and portfolio management; they may work somewhat independently, or in conjunction with other Portfolio Managers (PMs) on a deal team, providing feedback and guidance to junior staff as appropriate. As part of the first line of defense, Vice President PMs are expected to consistently demonstrate a solutions-oriented, growth mindset that is supportive of line of business goals while still maintaining a moderate risk appetite and upholding asset quality.
Essential Functions

• Gather and analyze all relevant financial data for, often high value, clients or prospects, including spreading financial statements and/or collaborating with third party vendor to ensure accuracy of financial spreads statements, analyzing historical performance, accurately calculating credit metrics, identifying risks and mitigants, and assessing creditworthiness, etc. while effectively utilizing and providing feedback to, third party resources.
• Model future financial performance of clients and prospects, including downside scenarios.
• Demonstrate leadership in structuring transactions, in collaboration with Business Partners/Bankers/and Relationship Managers. Viewed as a value-add financial advisor by the client/borrower, critical and knowledgeable contributor to the deal team and respected by Credit for a solid reputation managing risk.
• Perform enhanced leveraged cash flow due diligence, when appropriate (i.e., in specific Banking Group Portfolio Management, "BGPM" 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 all relevant regulations including Know Your Customer (KYC), running MCA/Patriot Act/OFAC checks as well as certifying Beneficial Ownership.
• Manage the approval process for, occasionally complex, lending commitments, amendments, waivers, and consents, including providing monitoring, reporting and/or making 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 that the documentation correctly reflects approval.
• Monitor accounts/ongoing financial performance of portfolio to track covenant compliance, determine liquidity, earnings trends, management capability and other essential information to secure the bank's position to minimize potential losses. Ensure data integrity in Key's systems and reporting and that all assets remain appropriately risk rated at all times, with timely changes.
• Identify potential problem accounts and work with our Asset Recovery Group, as appropriate, to improve the bank's position in undesirable situations.
• Establish and maintain direct client relationships. Attend management presentations, bank meetings and conduct plant/site visits as appropriate to monitor business conditions and/or identify new underwriting, and/or additional bank product opportunities.
• Contribute to, or prepare white papers on assigned industry segments, as requested.
• Provide guidance and feedback to Analysts and Associates as appropriate.
• Gather and prepare data in response to ad hoc data requests
• 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.

Education

• Bachelor's Degree or equivalent work experience in finance, accounting, economics and/or business (preferred)
• Master's Degree MBA (preferred)

Work Experience

• Minimum of 5 years of commercial underwriting, credit, banking and/or financial services experience (required)

Skills

• Demonstrates an understanding of foundational accounting principles and can interpret and analyze financial statements (balance sheets, income statements, cash flow statements) to assess a company's financial health and ability to meet its obligations. Able to effectively utilize various tools and techniques, including financial ratios, to evaluate a borrower's financial strength and assess risk. (expert level)
• Able to carefully evaluate the impact of all emerging and/or existing considerations and choose the best path forward using informed, rational, and effective decision-making techniques in various lending and business situations. (expert level)
• Able to clearly, concisely, and persuasively convey information, whether verbal, written, or nonverbal. Able to effectively synthesize large amounts of complex information into a more consumable summary. Consistently demonstrates a focus on keeping clients, partners, and teammates informed as to the real-time status of important matters. (expert level)
• Able to effectively shepherd a transaction through all required stages, while staying organized, meeting deadlines, managing risk, and ensuring a favorable experience for the client. (experienced level)
• Able to effectively identify, assess, and control potential risks involved with corporate lending. Properly grading loans to reflect their risk level and ensuring accurate risk ratings. Able to effectively interpret and negotiate credit agreements and loan documentation. Understanding how specific loan terms and conditions can be employed to mitigate risk of loss. Ensure accuracy in loan documentation and seek credit approval related to documentation that deviates from Key's standard form (e.g. ISDAs) (experienced level)
• Demonstrated ability to take initiative, set clear objectives, and prioritize tasks to meet deadlines, maximize productivity, and minimize stress. Able to successfully identify which tasks are urgent (requiring immediate attention) and which are important (contributing to long-term goals). Able to effectively multitask and balance competing priorities. Habitually working with energy and commitment; industrious. (expert level)
• Effectively working with others to reach a shared goal. Consistently displaying a willingness to shoulder a fair share of the workload in addition to helping others meet their objectives. (experienced level)
• Consistently taking ownership of one's actions, decisions, and performance, and being responsible for achieving the agreed-upon outcomes. Being reliable, dependable, and fulfilling commitments. Able to be relied upon as honest and truthful. (experienced level)
• Able to withstand or recover quickly from stressful or difficult conditions. Able to move forward with less than perfect, or incomplete, information and ability to flexibly and comfortably adapt to changing work demands. (experienced level)
• Able to identify, evaluate, and interpret information, and question assumptions to reach well-supported, evidence-based conclusions. Open-minded and eager to seize opportunities to learn, grow, acquire knowledge, and expand skill set. (expert level)
• Demonstrates the ability to influence and inspire, motivate, empower, and guide others towards a common goal. Consistently displays the highest standards, values, and behaviors, inspiring others to follow, and setting a model for excellence. (experienced level)
• Demonstrates an ability to understand and prioritize the broader goals and well-being of the entire organization over the interests of individual departments or teams. Understands the interconnectedness of different parts of the Bank; makes decisions that benefit the whole. Displays "big picture" thinking, considering the broader implications of decisions and actions. (working knowledge level)
• Effective and polished presentation and communication skills, with the ability to collaboratively influence and challenge with impact
• Ability to plan, multi-task, manage time effectively, and lead work independently with limited direction
• Competent with Microsoft Office and the ability to learn and effectively utilize other technology applications
• Well established ability to gather relevant research, analyze data, and concisely synthesize large amounts of information in order to accurately assess corporate creditworthiness and create a detailed and thorough underwriting package
• Demonstrated competence in financial analysis and modeling
• Experience structuring meaningful and appropriate financial covenants for syndicated debt facilities
• Developing experience managing the left lead /administrative agent role in syndicated deals
• Ability to lead discussions with clients during negotiations and act as primary lending representative on deal execution, leveraging senior leaders as appropriate
• Knowledge of business and legal elements of credit agreements, and the ability to work with counsel and collaborate through document negotiations on agented transactions and/or assist lead syndicator in document negotiations
• Solid understanding of banking and investment banking products and services and current market dynamics, trends, and terms

Core Competencies

• All KeyBank employees are expected to demonstrate Key's Values and abide by Key's Code of Conduct.

Physical Demands

• General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.

Travel

• Occasional travel to include overnight stay.

Work Location Category

• Hybrid (3+ days)

COMPENSATION AND BENEFITS

This position is eligible to earn a base salary in the range of $96,000.00 - $181,000.00 annually. Placement within the pay range may differ based upon various factors, including but not limited to skills, experience and geographic location. Compensation for this role also includes eligibility for incentive compensation which may include production, commission, and/or discretionary incentives.

Please click here for a list of benefits for which this position is eligible.

Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.

Job Posting Expiration Date: 08/20/2026 KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law.

Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.

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