Location:

• Work closely with relationship managers, loan closers, and underwriters to identify and respond to client requirements as a member of the deal team for credit commitments less than $10 million.
• Create pitch materials for all prospects and/or clients, regardless of credit commitment amount.
• Lead and/or participate in due diligence meetings for in-depth understanding of clients' business, management teams and industry sector.
• Review loan requests under $10 million in credit commitments to determine required business documents and financial statements needed for loan approval; collect and upload items to Salesforce, utilizing the bank's secure document collection portal as appropriate.
• Complete related lending tasks such as requesting and reviewing financial statement spreads, preparing a Return on Equity (ROE) analysis.
• Prepare preflight memo for discussion with deal team, focusing on accuracy of loan request details.
• Complete data entry in nCino for new loan requests/renewals/modifications and submit requests for underwriting.
• Review final credit approval memos for accuracy and engage with loan closers or outside counsel for preparation of loan documentation
• Review loan documentation to ensure all terms are consistent with the credit approval memo (e.g. interest rates, covenant definitions, etc.).
• Ensure all waiver, amendment, and extension requests are properly approved and saved appropriately.
• Work with Credit Surveillance team to ensure interim and annual relationship reviews are completed accurately.
• Perform annual portfolio data integrity reviews to ensure systems of record (e.g., Salesforce, nCino, Hogan, LIQ) accurately reflect risk ratings, loan booking data and any other related borrower information.
• Take proactive approach in early identification of deteriorating credits and other potential credit concerns, such as change in borrower ownership or wherewithal, by communicating those concerns to risk partners.
• Work with bank examiners and internal credit reviewers to validate credit quality and integrity of the credit process.
• Take proactive approach to ongoing portfolio management of client relationships, including timely collection of borrower financial statements using the bank's secure document collection portal, ensuring loans/lines are renewed and/or extended timely, and internal risk rating findings are properly remediated and managed
• Assist in training and developing new Commercial Analysts
• 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.
• 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.

• Bachelor's Degree in Business, Finance or a related field (required)

• 1-3 years of commercial banking experience (e.g., credit structuring & analysis, sales functions, risk assessment, knowledge of commercial banking products, services & technology) accounting (required)
• 1-3 years working in Credit Structuring & Financial Analysis (required)
• Ability to manage workflow and complex commercial banking deals (required)
• Ability to manage stress and competing priorities ( (required)
• 1-3 years working in Commercial Middle Market Credit Structuring & Financial Analysis (preferred)
• 1-3 years Commercial Middle Market Underwriting and Financial Analysis (preferred)

• Formal credit training strongly preferred
• Proficiency in Microsoft Word, Excel, PowerPoint
• Applicable systems may include - Key proprietary systems e.g. Salesforce, nCino, SharePoint
• Ability to meet timelines and perform multiple tasks

• Business Acumen
• Oral & Written Communication
• Analytical Thinking
• Risk Management

All KeyBank employees are expected to demonstrate Key's Values and sustain proficiency in identified Leadership Competencies.

• 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.

• Ability to occasionally operate a motor vehicle with a valid driver's license.

COMPENSATION AND BENEFITS

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KeyCorp is an Equal Opportunity and Affirmative Action Employer committed to building a diverse, equitable and inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or other protected category.

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