Credit Analyst

Location:

• Evaluate loan requests to properly identify purpose risk elements and collateral adequacy.
• Assess the liquidity quality of management market position and overall business climate to estimate future profitability of business.
• Analyze credit data financial statements (cash flow balance sheet income statements) and tax returns (both personal and business) to determine creditworthiness and the degree of risk involved in extending credit or lending.
• Apply accounting principles to basic financial modeling.
• Input interpret and assess risk rating model output and client data to develop a credit recommendation.
• Develop the credit write-up to recommend loan structuring opportunities to present to Credit partners and/or Credit Officers; document and communicate findings providing relative guidance.
• Identify deteriorating credits early and escalate with considerations for restructure.
• Initiate annual reviews.
• Review loan documentation to ensure loan documents match terms and conditions outlined in the credit approval.
• Create and maintain credit files and develop spreadsheets based on financial statements to facilitate foundational underwriting analysis.
• Responsible for client setup client data tracking document tracking reports testing borrowing base certificates and covenant compliance trends and dashboards.
• Provide financial analysis and portfolio administration to ensure timely and accurate risk ratings.
• Prepare loan packages and monitor and maintain loan portfolios.
• May mentor newly hired 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 Keys clients and Key.

• Bachelors Degree or equivalent work experience in finance accounting economics and/or business. (required)

• Experience with financial and/or borrower analysis (required)
• Competent with Microsoft Office and the ability to learn and effectively utilize other technology applications (required)
• Understanding of financial models (required)
• Ability to gather relevant research analyze data and synthesize information to draw conclusions and produce insights (required)
• Effective presentation and communication skills with the ability to collaboratively make an impact (required)
• Ability to plan multi-task manage time effectively and work independently at times with supervision of senior team members (required)

• Able to gather or pull together relevant information and utilize it to draw insights conclusions solution problems make decisions and/or tell a story. Requires one to make sense of the data and display logical connected thinking. (experienced level)
• Demonstrates an understanding of foundational accounting principles and can interpret and analyze financial statements (balance sheets income statements cash flow statements) to assess a companys financial health and ability to meet its obligations. Able to effectively utilize various tools and techniques including financial ratios to evaluate a borrowers financial strength and assess risk. (working knowledge level)
• Able to effectively identify assess and control potential risks involved with corporate lending. Able to effectively interpret and negotiate credit agreements and loan documentation. Understanding how specific loan terms and conditions can be employed to mitigate risk of loss. (working knowledge level)
• Demonstrated ability to take initiative set clear objectives and prioritize tasks to meet deadlines maximize productivity and minimize stress. Able to successfully identify which tasks are urgent (requiring immediate attention) and which are important (contributing to long-term goals). Able to effectively multitask and balance competing priorities. Habitually working with energy and commitment; industrious. (working knowledge level)
• Able to clearly concisely and persuasively convey information whether verbal written or nonverbal. Able to effectively synthesize large amounts of complex information into a more consumable summary. Consistently demonstrates a focus on keeping clients partners and teammates informed as to the real-time status of important matters. (working knowledge level)
• Effectively working with others to reach a shared goal. Consistently displaying a willingness to shoulder a fair share of the workload in addition to helping others meet their objectives. (working knowledge level)
• Consistently taking ownership of ones actions decisions and performance and being responsible for achieving the agreed-upon outcomes. Being reliable dependable and fulfilling commitments. Able to be relied upon as honest and truthful. (working knowledge level)
• Able to identify evaluate and interpret information and question assumptions to reach well-supported evidence-based conclusions. Open-minded and eager to seize opportunities to learn grow acquire knowledge and expand skill set. (working knowledge level)

• All KeyBank employees are expected to demonstrate Keys Values and abide by Keys Code of Conduct.

• 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.

• Occasional travel to include overnight stay.

• Hybrid (3 days)

COMPENSATION AND BENEFITS

Please click here for a list of benefits for which this position is eligible.

Key has implemented an approach to employee workspaces which prioritizes in-office presence while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.

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