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About the role
Key responsibilities & impact- Perform financial analysis and prepare underwriting documents for multimillion-dollar corporate credit requests
- Obtain initial approval for new credit exposure, including revolving credit facilities, term loans, leases, foreign exchange products, derivatives, and ancillary products
- Amend existing credit exposure
- Conduct ongoing credit monitoring and risk rating for a portfolio of corporate clients
- Review legal documentation and assist product partners with cross-selling bank products
- Gather and analyze client financial data, spread financial statements, calculate credit metrics, identify risks and mitigants, and assess creditworthiness
- Model future financial performance, including downside scenarios
- Assist bankers, business partners, and relationship managers in transaction structuring
- Perform enhanced leveraged cash flow due diligence when appropriate
- Prepare thorough credit underwriting documents covering risks, mitigants, industry concerns, market share trends, and financial trends
- Ensure compliance with KYC, MCA/Patriot Act, OFAC, and beneficial ownership requirements
- Manage approval processes for lending commitments, amendments, waivers, and consents
- Review and maintain credit agreements, guarantees, security pledges, and collateral documentation
- Monitor covenant compliance, liquidity, earnings trends, management capability, and portfolio performance
- Maintain data integrity and timely risk ratings in Key's systems and reporting
- Identify potential problem accounts and collaborate with the Asset Recovery Group
- Establish and maintain client relationships; attend management presentations and bank meetings; conduct plant/site visits
- Identify new underwriting and additional bank product opportunities
- Contribute to industry-group white papers
- Provide guidance and feedback to analysts
- Gather and prepare data for ad hoc requests
- Perform other assigned duties and comply with KeyBank policies, procedures, ethics, and client-first standards
Requirements
What you’ll need- Bachelor's Degree or equivalent work experience in finance, accounting, economics and/or business
- Master's Degree/MBA preferred
- Minimum of 3 years of commercial underwriting, credit, banking and/or financial services experience
- Syndicated deal experience strongly preferred
- Experience preferred in Leveraged Finance, Debt Capital Markets, Investment Bank, and/or Large Corporate
- Foundational accounting knowledge and ability to interpret and analyze financial statements
- Ability to use financial ratios and other tools to evaluate borrower financial strength and risk
- Ability to evaluate lending considerations and make informed decisions
- Strong verbal, written, and nonverbal communication skills
- Ability to synthesize complex information
- Ability to manage transactions, deadlines, risk, and client experience
- Ability to identify, assess, control, and accurately rate corporate lending risks
- Ability to interpret and negotiate credit agreements and loan documentation
- Microsoft Office competency and ability to learn other technology applications
- Competency in financial analysis and modeling
- Ability to research, analyze data, and prepare detailed underwriting packages
- Emerging experience structuring financial covenants for syndicated debt facilities
- Developing experience managing the left lead/administrative agent role in syndicated deals
- Ability to lead client discussions and act as primary lending representative under supervision
- Foundational knowledge of credit agreements, banking and investment banking products and services
- Ability to plan, multitask, manage time, and work independently with senior supervision as needed
- Occasional travel, including overnight stays
Benefits
Comp & perks- Hybrid work arrangement with flexible options for roles effectively performed in a mobile environment
- Incentive compensation eligibility, which may include production, commission, and/or discretionary incentives
- Benefits package (specific benefits linked in posting)
- Occasional travel, including overnight stays