Location: For Those Who Work At Home - Various, Ohio 44145 About the Job Manage a portfolio of pass rated "exit," criticized, classified, non-performing and or charged off credit relationships. Minimize charge-offs and maximize recoveries by collaboratively developing and implementing cogent workout, restructuring and/or exit plans. Develop positive relationships with customers, line of business personnel and internal and external professionals. Negotiate skillfully, fairly and ethically with customers and other constituencies. Communicate clearly. Adhere to all corporate compliance guidelines. Shadow accounts on the line that require workout advice. Participate with Regional Managers and Team Leaders in developing business plans for the loan workout functions. Work closely with the lines of business and bank groups in resolving problem loan issues. Mentor junior work out officers to develop skills and competencies. This position reports to a Loan Workout Regional Manager. Essential Job Duties Manage a loan portfolio to mitigate risk with deals consisting of multiple loan types offered by Key Bank and with unlimited complexity and potential for adversarial litigation. Review and analyze loan documentation, financial statements and other similar loan and borrower information to assess risk, quantify repayment capacity, consider the adequacy of repayment sources and/or estimate recovery potential. Develop, recommend, and implement workout/liquidation strategies for problem loans including past due, underperforming, non-performing, and charged-off loans to mitigate risk and maximize recovery. Adhere to department and corporate guidelines, policies and compliance procedures. Maintain constructive interaction with regulators. Work with other professionals such as appraisers, environmental consultants, auctioneers, real estate brokers and property managers to maximize return on collateral secured loans. Support departmental continuous improvement efforts. Periodically travel to meet with clients or view collateral. Participate in community service activities. Participate in the Quarterly Asset Quality Review process and produce timely documentation as required. Work with bank counsel in a cost-effective manner to achieve desired results. Shadow accounts on the line of business which need workout advice. Manage and recommend commercial assets for non-accrual or charge-off disposition, within budgeted levels. Communicate workout strategies and portfolio observations on a regular basis to LOB and Credit Executives. Assist in the mentoring and development of the Asset Recovery staff through effective teaching and coaching skills. Accept periodic assignments related to the constantly changing risk management environment. Required Qualifications: High School Diploma or equivalent Five to seven years of related experience Financial statement analysis experience, five years minimum Excellent oral and written communication skills Proven skills in assessing credit risk Excellent negotiation and interpersonal skills Expertise in Microsoft office (Office and Excel) operating systems Bankruptcy/workout experience, five years minimum Knowledge of commercial credit products and loan documentation Knowledge of creditors rights, collection practices, and bankruptcy Knowledge of compliance Preferred Qualifications: Undergraduate degree in accounting, finance or related field Knowledge of SBA standard operating procedures and regulations Working knowledge of Key Bank policies, procedures and regulations Workout experience spanning periods of growing and retracting economic conditions Commercial lending experience Real Estate background Competencies/Skills: Provide timely and accurate reporting Ability to meet deadlines Prepare concise and complete write ups Ability to follow all rel