Credit Associate; Commercial Credit Underwriter- to committments

Job Summary

The Commercial Credit Underwriter (1mm-10mm 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. While under the supervision of Underwriting Team Leaders, the Underwriter assists in structuring new requests for extensions of credit, completing extensions, renewals, and making recommendations for deteriorating credits, independently managing workflow and communication with field partners.

The role assesses risk, recommends client credit solutions to maintain asset quality, ensures compliance with credit policy, and makes loan decisions within an assigned lending authority, providing well‑thought‑out recommendations when higher‑level approval is needed.

4910 Tiedeman Road, Brooklyn, OH

• Evaluate loan requests to identify purpose, risk elements, and collateral adequacy.
• Assess liquidity, management quality, market position, industry, and overall business climate to estimate future profitability.
• Analyze credit data, financial statements (cash flow, balance sheet, income statements), and tax returns (personal and business) to determine creditworthiness and risk.
• Apply accounting principles to financial modeling.
• Interpret risk rating model output and client data to develop credit recommendations.
• Develop credit write‑ups to make loan structuring decisions within delegated authority or recommend to Credit partners/Officers, documenting and communicating findings.
• Identify deteriorating credits early and provide recommendations for restructuring.
• Initiate annual reviews.
• Review loan documentation to ensure it matches terms and conditions outlined in the credit approval.
• Create and maintain credit files, and develop spreadsheets based on financial statements to facilitate underwriting analysis.
• Track client data, document compliance, covenant testing, and dashboard trends.
• Provide financial analysis and portfolio administration for accurate risk ratings.
• Prepare loan packages and monitor loan portfolios.
• Serve as a mentor, coach, and trainer for Credit Analysts.
• Collaborate with bankers and credit partners to improve the credit process and meet client expectations.
• Participate in periodic projects related to risk management processes, policies, or underwriting improvements.
• Perform additional duties as assigned; responsibilities may change without notice.
• Comply with Key Bank policies and procedures, acting professionally, ethically, and in the best interests of clients and Key.

• Bachelor's Degree or equivalent work experience in finance, accounting, economics, and/or business (required).

• Minimum two years of commercial/specialty client segment underwriting, credit, banking, 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 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 collaborate and make an impact (required).
• Ability to plan, multi‑task, manage time effectively, and work independently with limited supervision of senior team members (required).

• Gather and synthesize information to draw insights and make decisions or explain results (experienced level).
• Interpret and analyze financial statements and apply financial ratios to evaluate a borrower's financial health (experienced level).
• Identify and control risks in corporate lending, interpret and negotiate credit agreements (experienced level).
• Initiate and prioritize tasks to meet deadlines and balance competing priorities; work with energy and commitment (experienced level).
• Communicate clearly, concisely, and persuasively in verbal, written, or nonverbal…