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Job Details

Key Bank

Credit Analyst

Banking, Mortgage, Investment

Credit Analysis


Brooklyn, Ohio, United States

Location: 4910 Tiedeman Road - Brooklyn, Ohio 44144 ABOUT THE JOB (JOB BRIEF) Credit Analysts need to have strong finance and banking knowledge, as well as quantitative abilities. They are responsible for gathering, analyzing, and interpreting all types of credit information on existing and prospective customers within Key’s Community Bank. They advise on structure for extensions of credit and restructures for deteriorating credits in assigned portfolios. This position reports to a Credit Risk Leader. Analysts also are supervised by a Risk Program Manager that facilitates rotations throughout credit hub. Lines of business supported primarily include Business Banking, Private Banking and Middle Market. ESSENTIAL JOB FUNCTIONS Assess liquidity, quality of management, market position, and overall business climate to estimate future profitability of business Understand cash flow, balance sheet, income statements, and tax returns (both personal and business) to determine credit worthiness Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money Analyze customer financial statements pertaining to any debt solution Input, interpret and assess risk rating model output and client data in order to develop a recommendation Develop the credit write-up to determine loan structuring opportunities to present to Associates and/or Credit Officers Ability to apply accounting principles Solid financial modeling Early identification of deteriorating credits and both knowledge and ability to escalate with options for restructure Initiates annual reviews on commercial and private banking relationships. Analyze documentation of loan transactions and prepare appropriate summaries Create and maintain credit files, and develop spreadsheets based on financial statements Responsible for client set up, client data tracking, document tracking, reports, testing borrowing base certificates and covenant compliance, trends and dashboards Ability to research external markets and client trends Evaluates loan requests to properly identify purpose, risk elements, collateral adequacy Recommends appropriate loan structure, risk rating covenants in alignment with credit policy Preparation of loan packages Monitoring and maintaining loan portfolios Demonstrate excellent written, verbal communications, listening and interpersonal skills Strong organizational skills, ability to set priorities in a multitask environment Dedicated to providing financial analysis and portfolio administration support for designated credit treatments. Fully proficient in Key’s various loan systems. Demonstrated ability to work and thrive in a team environment Research and resolve issues and communicates professionally Knows when to seek assistance and insight from Associates or Credit Officers Periodic assignments related to the constantly changing risk management environments Mentor newly hired analysts REQUIRED QUALIFICATIONS Bachelor’s Degree with a preferred focus on Business course work, or equivalent work experience. Ability to work well individually as well as part of a team Accomplished self-starter and well-organized in thought and action Demonstrated business writing and communications/presentation skills Satisfactory knowledge and proficiency in working with personal computers and business software (e.g. Microsoft Office - Word, Excel, Access and PowerPoint) Commitment to core values; Teamwork, Respect, Accountability, Integrity, Leadership Job Posting Expiration Date: 05/31/2024 KeyCorp is an Equal Opportunity and Affirmative Action Employer committed to building a diverse, equitable and inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or other protected category. Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing