Home Lending Margin Manager in Buffalo, NY at Key Bank- Corporate

Date Posted: 4/7/2020

Job Snapshot

  • Employee Type:
  • Location:
    4224 Ridge Lea Road
    Buffalo, NY
  • Job Type:
  • Experience:
    Not Specified
  • Date Posted:

Job Description


The Margin Manager reports to the KeyBank’s Home Lending Secondary Valuation and Operations Manager and is directly responsible for managing pricing margins on held for sale and held for investment loan products. The core activities will include but will not be limited to management reporting on Home Lending’s margins, pricing, price exceptions, and volumes. Additionally, the Margin Manager will be responsible for the continued development of additional reports and methodologies that will be used to analyze KeyBank’s competitive price position, price elasticity, growth strategies, community lending imitative and performance metrics (KPI’s & KRI’s) for Secondary, and Sales. In addition, the Margin Manager will be responsible for the development and maintenance of third party provided market share and price position data.


  • Manage profit margins and Return on Equity targets across all loan products to maximize origination revenue and volume. Responsible for developing, analyzing and recommending different pricing strategies within individual markets and products to Senior Management
  • Measure impact of implemented pricing strategies on market share, volume, loan size and product selection In conjunction with Quantitative Analyst, develop methodologies to measure price elasticity and optimal price point by product and market
  • Maintain knowledge of industry positioning, practices and trends, including discussions with sales leaders to determine ‘market-specific’ and ‘customer-specific’ pricing requirements
  • Creates and manages Tableau dashboards such as application and funding volumes, price position, margins, credit summaries, and price exceptions that are used by Senior Management and Sales Leaders to make decisions
  • Responsible for facilitating bi-weekly pricing meetings with Senior Management, Sales and Finance where weekly volumes, price position, impacts of prior price strategy, and proposed new price strategies are reviewed
  • Manages the delivery and receipt of third party provided market share volume and price position data ensuring accuracy and timeliness
  • Configure analytic tools to deliver various Secondary Marketing and operational reports related to to asset quality, Secondary pricing margins and executive reporting.
  • Development and configuration of data mining tools related to margin management including but not limited to Tableau and SAS
  • Ad hoc report creation and presentation

  • Business Acumen: Has full understanding of pricing margins & Return on Equity. Knowledge base includes complete grasp of the revenue, expense and volume drivers within the business. High level awareness of industry trends that effect KeyBank Home Lending. Has the ability and desire to generate measurable results as it relates to efficiency, effectiveness, and profitability
  • Client Focus: Works effectively with both internal and external customers. Support internal partners and management with the information and recommendations necessary to manage a profitable customer centric business
  • Interpersonal Skills: Relates well to others and can communicate difficult concepts with various audiences, both inside and outside of KeyBank Home Lending. Must be a respected member and subject matter expert of the team. Has the ability to build and sustain strong and effective relationships
  • Bachelor’s degree or equivalent work experience, Master’s Degree a plus
  • 5-7 years’ experience in Margin Management or Business Intelligence with 3-5 years experience in Banking, Mortgage or Finance preferred
  • Excellent analytical and critical thinking skills
  • Demonstrated ability to prioritize, multi-task, and adapt to changing priorities in a fast paced environment
  • Maintain high level of technical aptitude and expert working knowledge of the supported applications and environments
  • Strong customer service, communication and organizational skills as well as detail oriented
  • Demonstrated ability to communicate technical subject matter into clear and effective communications to all levels of management and sales.
  • Advanced user of Microsoft office (Excel, Access, VBA)
  • Advanced computer skills in database, reporting, or analytics software required (such as SQL, SAS, Tableau)
  • Working knowledge of QRM Mortgage Banking Framework and Bloomberg a plus


KeyCorp is an Equal Opportunity and Affirmative Action Employer committed to engaging a diverse workforce and 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.


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