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Associate, Portfolio Management (Agribusiness)

Associate, Portfolio Management (Agribusiness)

Seattle StaffingSeattle, WA, US
16 days ago
Job type
  • Full-time
Job description

Portfolio Management Associate Agribusiness

Location : 1301 5th Avenue, Seattle Washington

Job Brief (Purpose) : The Portfolio Management Associate Agribusiness will be responsible for performing financial analysis and preparing underwriting documents to support complex, multimillion-dollar corporate credit requests including acquisition financings, working capital facilities, and other pro rata debt transactions. Such requests include obtaining initial approval for new credit exposure and amendments to existing exposure. Additionally, the Portfolio Management Associate will take ownership of ongoing credit monitoring for a portfolio of corporate clients, reviewing legal documentation, and assisting product partners in cross-selling additional bank products. The Portfolio Management Associate will primarily work on large corporate and upper middle market clients, supporting the agribusiness industries and other industry coverage within the middle market line of business.

Essential Job Functions

  • Take a leadership role in driving the diligence process for new debt transactions.
  • 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, market share trends, financial trends, and other pertinent credit issues.
  • Perform enhanced Leveraged Cash Flow due diligence, when appropriate.
  • Assist Syndications / Relationship Managers in structuring transactions, as applicable.
  • Work closely with assigned Acuity analyst, who provides outsourced analytical support.
  • Lead internal credit discussions and answer questions from Credit Executives when appropriate.
  • Manage the approval process for lending commitments, amendments, waivers, and consents, including making recommendations to Credit Executives.
  • Ensure compliance with all Know Your Customer ("KYC") regulations.
  • Review all necessary legal documentation including credit agreements, guarantees, security pledges, and collateral documentation in order to ensure that the documentation correctly reflects approval.
  • Properly maintain documentation and necessary business records.
  • Monitor the ongoing financial performance of portfolio companies and track covenant compliance.
  • Conduct periodic plant or site visits to monitor business conditions and attend client / bank meetings when appropriate; establish rapport and direct interaction with clients' C-suite.
  • Proactively identify potential problem credits and work to improve the Bank's position in undesirable situations.
  • Prepare white papers on assigned industry segments, as requested.
  • Assist product partners in cross-selling additional bank products.

Required Competencies / Skills

  • Minimum of 1 year of agribusiness underwriting (required)
  • Experience with / knowledge of secured and unsecured corporate cash flow lending
  • Demonstrated ability to accurately assess corporate creditworthiness and independently create a detailed and thorough underwriting package.
  • Demonstrated competence in financial analysis and financial modeling, with formal training in financial accounting.
  • Familiarity with corporate banking products such as Enterprise Commercial Payments ("ECP"), Foreign Exchange ("FX"), Derivatives, etc.
  • Solid understanding of fundamental Investment Banking and Corporate Finance concepts
  • Ability to plan, multi-task, manage time effectively, and work independently with limited direction.
  • Comfort working in a capital markets environment with short turnaround times.
  • Comfort with ambiguity and an ability to solve problems where no clear solution is obvious.
  • Ability to communicate professionally, competently, and persuasively in verbal and written formats.

    • Required Qualifications

  • Minimum of three (3) years of experience in corporate credit portfolio management / credit risk / relationship management in agribusiness.
  • Undergraduate degree in Finance, Accounting, Economics, Business, or equivalent work experience

    • Skills

  • Demonstrates an understanding of foundational accounting principles and can interpret and analyze financial statements to assess a company's financial health and ability to meet its obligations.
  • 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.
  • Able to clearly, concisely, and persuasively convey information, whether verbal, written, or nonverbal.
  • 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.
  • Able to effectively identify, assess, and control potential risks involved with corporate lending.
  • Demonstrated ability to take initiative, set clear objectives, and prioritize tasks to meet deadlines, maximize productivity, and minimize stress.
  • Effectively working with others to reach a shared goal.
  • Consistently taking ownership of one's actions, decisions, and performance, and being responsible for achieving the agreed-upon outcomes.
  • Able to withstand or recover quickly from stressful or difficult conditions.
  • Able to identify, evaluate, and interpret information, and question assumptions to reach well-supported, evidence-based conclusions.
  • Demonstrates the ability to influence and inspire, motivate, empower, and guide others towards a common goal.
  • Competent with Microsoft Office and the ability to learn and effectively utilize other technology applications.
  • Competent in financial analysis and modeling.
  • Ability to gather relevant research, analyze data, and synthesize large amounts of information to accurately assess corporate creditworthiness and create a detailed and thorough underwriting package.
  • Emerging 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 and act as the primary lending representative on deal execution as needed under supervision / guidance from senior leaders as appropriate.
  • Foundational 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.
  • Foundational understanding of banking and investment banking products and services.
  • Effective presentation and communication skills, with the ability to collaboratively make an impact.
  • Ability to plan, multi-task, manage time effectively, and frequently lead work independently, with supervision of senior team members as needed.

    • 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 $79,000.00 - $146,000.00 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 subject to individual and company performance. Please click for a list of benefits for which this position is eligible.

    Job Posting Expiration Date

    11 / 30 / 2025

    KeyCorp is an Equal Opportunity Employer

    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, disability or veteran status. 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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