Credit Associate; mm commitments

Location

4910 Tiedeman Road, Brooklyn Ohio

The Credit Associate (0‑1MM in commitments) is an individual contributor responsible for gathering, analyzing, and interpreting various types of credit information on existing and prospective customers to determine credit worthiness. Under the supervision of Underwriting Team Leaders, the Credit Associate assists in structuring new requests for extensions of credit, as well as completing extensions, renewals and making recommendations for deteriorating credits while independently managing workflow and communication with field partners.

Credit Associates assess risk, recommend client credit solutions to maintain the bank's asset quality, and ensure compliance with credit policy and guidelines. They make loan decisions within an assigned lending authority and provide educated, well‑thought‑out recommendations when higher‑level approval is needed.

• Evaluate loan requests to properly identify purpose, risk elements, and collateral adequacy.
• Assess the liquidity, quality of management, market position, industry and overall business climate to estimate future profitability of business.
• Analyze credit data, financial statements (cash flow, balance sheet, income statements), and tax returns (personal and business) to determine creditworthiness and the degree of risk involved in extending credit.
• Apply accounting principles to financial modeling.
• Input, interpret, and assess risk rating model output and client data to develop a credit recommendation.
• Develop the credit write‑up to make loan structuring decisions within delegated authority or to recommend to the appropriate Credit partners/Officers; document and communicate findings providing relative guidance.
• Identify deteriorating credits early and elevate with well‑thought‑out recommendations for restructure.
• Initiate annual reviews.
• Review loan documentation to ensure 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.
• Manage 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.
• Serve as a mentor, coach, and trainer for Credit Analysts.
• Collaborate with bankers and credit partners to drive efficiency and effectiveness of the credit process to meet client expectations.
• Participate in periodic projects related to changes in risk management processes, policies or environment and/or underwriting process improvement/optimization.
• Perform other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice.
• Comply with all Key Bank policies and procedures, including 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 or equivalent work experience in finance, accounting, economics and/or business (required)

• 2+ years of commercial/specialty client segment underwriting, credit, banking and/or financial services experience (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 large amounts of information to accurately assess commercial creditworthiness and create a detailed and thorough underwriting package (required)
• Demonstrated understanding of commercial credit underwriting/approval methodologies, credit policies and procedures (required)
• Strong presentation and communication skills, with the ability to collaboratively make an impact (required)
• Ability to plan, multi‑task, manage time effectively, and work, often independently, with limited supervision of senior team members (required)

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