Credit Associate; Commercial Credit Underwriter- to committments

Location

4910 Tiedeman Road, Brooklyn, Ohio

The Commercial Credit Underwriter 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 while independently managing workflow and communication with field partners.

Commercial Credit Underwriters assess the degree of risk within a given business and recommend client credit solutions to maintain the bank’s asset quality while ensuring 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 liquidity, quality of management, 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 to determine creditworthiness; apply accounting principles to financial modeling; interpret 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 recommend to Credit partners/Officers; document and communicate findings; identify deteriorating credits early and provide restructuring recommendations; initiate annual reviews; review loan documentation to ensure documents match credit approval; create and maintain credit files; develop spreadsheets for underwriting analysis; manage client setup, data tracking, document tracking, reports, testing borrowing base certificates and covenant compliance, trends, and dashboards;

provide financial analysis and portfolio administration; prepare loan packages and maintain loan portfolios; serve as mentor, coach, and trainer for Credit Analysts; collaborate with bankers and credit partners to drive process efficiency; participate in projects related to risk management or underwriting improvement; comply with all Key Bank policies and procedures; perform other duties as assigned.

Bachelor’s Degree or equivalent work experience in finance, accounting, economics, and/or business.

Minimum of 2 years of commercial/specialty client segment underwriting, credit, banking, and/or financial services experience.

• Competent with Microsoft Office and other technological applications.
• Understanding of financial models.
• Ability to gather and analyze research, data, and synthesize large amounts of information for comprehensive underwriting packages.
• Demonstrated understanding of commercial credit underwriting, approval methodologies, credit policies, and procedures.
• Strong presentation and communication skills with a collaborative impact mindset.
• Excellent planning, multi‑tasking, time management, and independent work with limited supervision.
• Fundamental accounting principles and financial statement analysis.
• Risk assessment and management skills for corporate lending.
• Negotiation and interpretation of credit agreements and loan documentation.
• Strong initiative, goal setting, and prioritization to meet deadlines.
• Effective multitasking and balance of competing priorities.
• Clear, concise, persuasive communication.
• Data synthesis into actionable summaries.
• Team orientation and shared responsibility.
• Ownership of actions, decisions, and performance.
• Integrity and honesty.
• Curiosity and continuous learning.
• Informed decision‑making in lending situations.

All Key Bank employees are expected to demonstrate Key’s values and abide by Key’s Code of Conduct.

Prolonged sitting; face‑to‑face communication and phone calls; frequent PC/laptop use; occasional lifting/pushing/pulling of…