KeyBank Commercial Analyst - Anchorage, AK in Anchorage, Alaska
ABOUT THE JOB (JOB BRIEF)
The Commercial Analyst is a field based position accountable for overall client and sales support to designated Commercial Bank Relationship Team. Completes analysis including; ROE models, credit discussion drafts and initial gathering and review of client financials. Develop targeted prospecting efforts based on market and industry opportunities.
ESSENTIAL JOB FUNCTIONS
Develops a thorough discussion draft in partnership with the RM for the effective communication of information from the field to the analytical resources within the centralized underwriting group, provide information to begin deal dialogue, endorse deal strength, present identified risks and mitigations, and but not limited to propose deal structure. Will be performed for all credit and credit equivalent exposures, i.e. CAP, FX, interest rate and energy derivatives.
Knowledge of Credit Policy & Guidelines to help direct conversations and provide insight on proposed loan structures
Ensures an efficient and effective transfer of knowledge from the Relationship Manager, Credit Campus and approving Credit Officer
Assists RM in providing value-added input and support to the approving Credit Officer through the use of risk/mitigant analysis
Works as member of relationship management team executing relationship strategies for credit and non-credit product delivery
Work with clients to ensure timely collection of financial statements needed to monitor performance
Ensures lines of credit are renewed in a timely manner
Assists in data integrity clean-up efforts as requested
Sales and Service
Creates client proposals, presentation and pitch books, identifying opportunities for presenting solutions and advice in consultation with a Relationship Manager
Prepares client analytics as needed in partnership with other RM’s or own clients needs
Participates in business development activities by identifying cross-sell opportunities in client group
Effectively sets priorities among client maintenance responsibilities
Employs and maintains a disciplined approach to the client review process using designated tracking tools to document progress on implementation of client strategies.
Delivers distinctive service by completing annual relationship reviews consistently updates the Desktop with current client data, call summaries, etc.
Facilitates system maintenance to ensure proper portfolio assignments (i.e., SFDC, CRISP, CAT, CuCu, etc.). Supports Team’s Desktop and other client-relationship reporting (SFDC activities, pipeline, referrals).
Bachelor’s Degree in accounting, finance or related field or equivalent experience
Minimum 3 – 5 years of financial services related experience
Excellent client relationship skills and superior partnering skills
Deep knowledge of bank products
Demonstrated sound credit, analytical skills, and financial acumen
Established excellent written and verbal communication skills
Customer Focus – Dedicated to meeting the expectations and requirements of clients; gets first-hand customer information and uses it for improvements in products and services; acts with customers in mind; establishes and maintains effective relationships with customers and gains their trust and respect.
Peer Relationships - Can quickly find common ground and solve problems for the good of all; can represent his/her own interests and yet be fair to other groups; can solve problems with peers with a minimum of noise; is seen as a team player and is cooperative; easily gains trust and support of peers; encourages collaboration; can be candid with peers.
Action Oriented – Enjoys working hard; is action oriented and full of energy for the things he/she sees as challenging; not fearful of acting with a minimum of planning; seizes more opportunities than others.
Learning on the Fly – Learns quickly when facing new problems; a relentless and versatile learner; open to change; analyzes both successes and failures for clues for improvement; experiments and will try anything to find solutions; enjoys the challenge of unfamiliar tasks; quickly grasps the essence and the underlying structure of anything.
Approachability – Is easy to approach and talk to; spends extra effort to put others at ease; can be warm, pleasant, and gracious; is sensitive to and patient with the interpersonal anxieties of others; builds rapport well; is a good listener; is an early knower, getting informal and incomplete information in time to do something about it.
Functional/Technical skills – Has acquired the functional and technical knowledge and skills to support the client at a high level of accomplishment; understands how to use the technology available.
Integrity, trust & Respect: Is widely trusted; is seen as a direct, truthful individual who respects others and is respected; can present the unvarnished truth in an appropriate and helpful manner; keeps confidences; openly acknowledges her/his own mistakes; does not misrepresent him/herself for personal gain; is seen as a Trusted Advisor to peers and other team members.
Creativity: Consistently generates new and unique ideas; easily makes connections among previously unrelated notions; tends to be seen as original and value-added in brainstorming settings.
Interpersonal Savvy: Relates well to a diverse and broad range of people, up, down, and sideways, inside and outside the organization; builds appropriate rapport; build constructive and effective relationships; uses diplomacy and tact; can diffuse even high-tension situations comfortably.
Time Management: Uses time effectively and efficiently; values time; concentrates efforts on the more important priorities; gets more done in less time than others; can attend to a broader range of activities.
- PC (MS Windows and Office Products), Client Experience Desktop, CRISP, CRINT
- Completion of on-line loan documentation courses and external courses as appropriate.
KeyCorp's roots trace back 190 years to Albany, New York. Headquartered in Cleveland, Ohio, Key is one of the nation's largest bank-based financial services companies, with assets of approximately $134.5 billion at March 31, 2017. Key provides deposit, lending, cash management, insurance, and investment services to individuals and businesses in 15 states under the name KeyBank National Association through a network of more than 1,200 branches and more than 1,500 ATMs. Key also provides a broad range of sophisticated corporate and investment banking products, such as merger and acquisition advice, public and private debt and equity, syndications, and derivatives to middle market companies in selected industries throughout the United States under the KeyBanc Capital Markets trade name. KeyBank is Member FDIC.
ABOUT THE BUSINESS:
Key Community Bank serves individuals and small to midsized businesses from Maine to Alaska through our 15-state network of over 1,200 branches, 1,500 ATMs, telephone banking and robust online and mobile platforms. KeyBank’s Consumer/Business Banking segment provides consumers and small business owners with straightforward banking solutions and personal finance expertise that helps them make confident financial decisions today and plan for tomorrow. Key Private Bank offers wealth planning that follows a consistent, disciplined approach guided by objective advice based on each unique situation. KeyBank Commercial Bank offers midsize business financial services that drive growth and profitability and help business owners identify new opportunities with products and services including deposit, cash management, investment services, commercial lending, equipment leasing, and asset-based lending.
FLSA STATUS: Exempt
KeyCorp is an Equal Opportunity and Affirmative Action Employer committed to engaging a diverse workforce and sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.