Location: 4910 Tiedeman Road - Brooklyn, Ohio 44144ABOUT THE JOB (JOB BRIEF)Credit Analysts need to have strong finance and banking knowledge, as well as quantitative abilities. They are responsible for gathering, analyzing, and interpreting all types of credit information on existing and prospective customers within Key’s Community Bank. They advise on structure for extensions of credit and restructures for deteriorating credits in assigned portfolios. This position reports to a Credit Risk Leader. Analysts also are supervised by a Risk Program Manager that facilitates rotations throughout credit hub. Lines of business supported primarily include Business Banking, Private Banking and Middle Market.ESSENTIAL JOB FUNCTIONSAssess liquidity, quality of management, market position, and overall business climate to estimate future profitability of businessUnderstand cash flow, balance sheet, income statements, and tax returns (both personal and business) to determine credit worthinessAnalyze credit data and financial statements to determine the degree of risk involved in extending credit or lending moneyAnalyze customer financial statements pertaining to any debt solutionInput, interpret and assess risk rating model output and client data in order to develop a recommendationDevelop the credit write-up to determine loan structuring opportunities to present to Associates and/or Credit OfficersAbility to apply accounting principlesSolid financial modelingEarly identification of deteriorating credits and both knowledge and ability to escalate with options for restructureInitiates annual reviews on commercial and private banking relationships.Analyze documentation of loan transactions and prepare appropriate summariesCreate and maintain credit files, and develop spreadsheets based on financial statementsResponsible for client set up, client data tracking, document tracking, reports, testing borrowing base certificates and covenant compliance, trends and dashboardsAbility to research external markets and client trendsEvaluates loan requests to properly identify purpose, risk elements, collateral adequacyRecommends appropriate loan structure, risk rating covenants in alignment with credit policyPreparation of loan packagesMonitoring and maintaining loan portfoliosDemonstrate excellent written, verbal communications, listening and interpersonal skillsStrong organizational skills, ability to set priorities in a multitask environmentDedicated to providing financial analysis and portfolio administration support for designated credit treatments.Fully proficient in Key’s various loan systems.Demonstrated ability to work and thrive in a team environmentResearch and resolve issues and communicates professionallyKnows when to seek assistance and insight from Associates or Credit OfficersPeriodic assignments related to the constantly changing risk management environmentsMentor newly hired analystsREQUIRED QUALIFICATIONSBachelor’s Degree with a preferred focus on Business course work, or equivalent work experience.Ability to work well individually as well as part of a teamAccomplished self-starter and well-organized in thought and actionDemonstrated business writing and communications/presentation skillsSatisfactory knowledge and proficiency in working with personal computers and business software (e.g. Microsoft Office - Word, Excel, Access and PowerPoint)Commitment to core values; Teamwork, Respect, Accountability, Integrity, LeadershipJob Posting Expiration Date: 05/31/2024KeyCorp 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.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 .
