Balance Sheet Advisory — Banks and Credit Unions
You're either growing or shrinking. KeyMount Capital advises banks and credit unions on the acquisition and disposition of loan portfolios — moving high-quality assets between regulated institutions, so capital goes where it's needed and counterparty risk stays low.
The thesis
In a higher-for-longer environment, seasoned portfolios booked years ago are often yielding below where new capital could be deployed. KeyMount helps identify, price, and place these assets with a buyer that wants the yield you no longer do.
Solar, home improvement, and other emerging verticals are growing faster than deposits can fund them. Moving existing loans off balance sheet frees capacity to keep originating in the segment you're actually trying to grow.
Buying performing loans from another regulated bank is a faster path to earnings than waiting on organic origination — and it comes with a counterparty that's already underwritten the same way you are.
The goal in all three cases is the same: facilitate high-quality asset transfers between regulated banks, so the risk — and the relationship — stays in the family, instead of migrating to private credit.
Advisory scope
Portfolio review, pricing, and buyer identification for loans you're ready to move off balance sheet — seasoned books, off-strategy exposure, or capital relief trades.
Identifying and structuring the purchase of performing, seasoned loan portfolios from other regulated institutions to put idle capital to work.
Building ongoing purchase or sale programs with counterparties, so capacity keeps pace with origination instead of resetting deal by deal.
An outside read on where your balance sheet is over-concentrated, under-yielding, or under capacity — and a plan for what to do about each.
Track record
Principal
Ari founded KeyMount Capital after more than a decade working to optimize bank balance sheets through wholesale deposit funding, capital introduction and whole loan portfolio sales.
As Vice President, FIG Partnerships & Sales at LendingClub Bank, he sold more than $2 billion in consumer loans and grew bank allocation from roughly 5% to 50% of volume in two years — while securing forward-flow programs with top U.S. depository institutions. Before that, over eleven years at StoneCastle Partners, he managed $4B+ in banking relationships and led the team overseeing 800+ institutional partnerships, sourcing $1B+ in new assets along the way.
KeyMount exists to put that same infrastructure to work for one bank at a time — as an advisor, not a middleman with a balance sheet of its own.
Get in touch
Whether you're freeing up capital, funding a growing segment, or looking to acquire — let's talk about what's on your book and where KeyMount can help.
Email Ari directly →