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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in financial analysis, credit underwriting, and risk assessment for corporate clients, with a strong ability to structure transactions and ensure compliance with regulatory requirements. Proficient in managing client relationships and leading negotiations while preparing comprehensive underwriting documents.
Highest-signal resume keywords
Financial AnalysisCredit UnderwritingRisk AssessmentClient Relationship ManagementRegulatory Compliance
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Financial ModelingCredit Metrics CalculationSyndicated Debt StructuringCovenant Compliance MonitoringCredit Risk RatingData AnalysisUnderwriting Document PreparationFinancial Statement SpreadingTransaction StructuringEnhanced Cash Flow Due Diligence
Soft Skills
Effective CommunicationPresentation SkillsTime ManagementMultitaskingNegotiation Skills
Tools & Technologies
Microsoft OfficeFinancial Analysis SoftwareCredit Risk Management Tools
Certifications & Qualifications
Bachelor's Degree in FinanceMaster's Degree/MBA Preferred
Industry Keywords
Commercial UnderwritingCorporate CreditBanking ProductsInvestment BankingKYC ComplianceMCA/Patriot ActOFAC RegulationsCollateral DocumentationCredit AgreementsAsset Recovery
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 exposures, including revolving credit facilities, term loans, leases, foreign exchange products, derivatives, and ancillary products
- Manage amendments to existing credit exposure
- Conduct ongoing credit monitoring and risk rating for a portfolio of corporate clients
- Review legal documentation, including credit agreements, guarantees, security pledges, and collateral documentation
- Assist product partners in cross-selling additional 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
- Structure transactions with Business Partners, Bankers, and Relationship Managers
- Perform enhanced leveraged cash flow due diligence when appropriate
- Prepare 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 approvals for lending commitments, amendments, waivers, and consents
- Monitor covenant compliance, liquidity, earnings trends, management capability, and portfolio performance
- Identify potential problem accounts and work with the Asset Recovery Group
- Maintain direct client relationships, attend management presentations and bank meetings, and conduct plant/site visits
- Prepare white papers on assigned industry segments
- Provide guidance and feedback to Analysts and Associates
- Gather and prepare data for ad hoc requests
- Perform other duties as assigned and comply with KeyBank policies and Code of Conduct
Requirements
What you’ll need- Bachelor's Degree or equivalent work experience in finance, accounting, economics and/or business (required)
- Minimum 5 years of commercial underwriting, credit, banking and/or financial services experience (required)
- Commercial and Industrial (C&I) underwriting strongly preferred
- Competence with Microsoft Office and ability to learn and effectively use other technology applications
- Demonstrated competence in financial analysis and modeling
- Ability to gather relevant research, analyze data, and synthesize information to assess corporate creditworthiness and create thorough underwriting packages
- 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 during negotiations and act as primary lending representative
- Knowledge of business and legal elements of credit agreements and ability to collaborate with counsel on document negotiations
- Understanding of banking and investment banking products, services, market dynamics, trends, and terms
- Effective presentation and communication skills
- Ability to plan, multitask, manage time, and work independently with limited direction
- Master’s Degree/MBA preferred
- Occasional travel, including overnight stays
Benefits
Comp & perks- Eligibility for incentive compensation, which may include production, commission, and/or discretionary incentives
- Hybrid work options (3+ days in office near a KeyBank facility)
- Remote options may be considered if not located near a KeyBank location
- Flexible workspace options when roles can be performed effectively in a mobile environment
- Occasional travel, including overnight stays