Posted on: November 23, 2020
KeyBank is built on trusted relationships and deep financial
expertise, offering full range of retail, private
wealth management, small business, commercial and investment
banking products, consultation and
financial advisory services. We re committed to drive financial
success of our clients and financial wellness
for our communities and employees. United by a strong set of
values, diverse thinking and proactive
collaboration, we re on a path of continuous improvement;
modernizing our technology infrastructure,
simplifying our processes and accelerating our digital
transformation in a purposeful and strategic
manner. Bringing together digital experience, integrated data and
deep financial expertise, we offer
customized, comprehensive and trusted solutions to every aspect of
our clients financial journey.
Commercial Banking leads the way in offering financial advice,
innovative products and integrated
solutions to businesses with annual revenues of more than $25
million. We help our clients manage their
funds, finance their growth and invest for the future by taking the
time to understand their goals, strategic
objectives and operational environment. The commercial bank
leverages Key s specialized industry
practices and centers of excellence that include consumer, energy,
healthcare, industrial, real estate and
technology sectors to offer deep industry expertise and
JOB BRIEF (PURPOSE)
All commercial analyst functions as part of a relationship team and
work collaboratively to support sales
and credit functions of the bank. Core responsibilities include
conducting in-depth industry and financial
analysis of existing and potential borrowers, ongoing loan
portfolio management, risk assessment, and
managing the credit approval process.
ESSENTIAL JOB FUNCTIONS
Work closely with the relationship managers, loan closers, and
underwriters to identify and respond to client requirements as a
member of the deal team, lead and/or participate in due diligence
meetings for in-depth understanding of clients business, management
teams and industry sector.
Assist bankers with disciplined sales management approach, update
client information and data in Salesforce, methodical marketing
activity and continuous upmarket prospecting.
Research industry specific information from outside sources, which
may include conversation with borrowers, industry publications,
references from other banks, credit agencies, as well as accessing
information through the internet
Analyze commercial loan requests via credit analysis write-up,
including but not limited to: reviewing financial statement
spreads, calculation of key financial ratios, analysis of the
borrowers business and financial integrity.
Develop and articulate a dynamic, forward-looking risk assessment
of prospects and clients, transaction structures, competitive
threats, industry and other factors. Ensure risk ratings are
appropriate and accurately recorded.
Apply corporate finance, accounting expertise and research findings
to develop appropriate credit and financing structures relative to
risk assessment. Work closely with the centralized loan origination
team who leads diligence activities, and underwriting teams to
facilitate credit approvals.
Analyze and negotiate covenants and other terms and conditions as
part of a deal team
Review, negotiate and maintain legal documentation to ensure terms
are appropriate and consistent with credit approval. Ensure proper
approvals for all required waivers, amendments, and extensions.
Work with support partners to perform system maintenance to ensure
proper portfolio assignments and with RMs to ensure accurate
pipeline activities within Salesforce. Provide early identification
and proactive management of deteriorating credits and other problem
Work with bank examiners and internal credit reviewers to validate
credit quality and integrity of the credit process
Work closely with designated teams to ensure accuracy of credit
Assist in training and developing junior commercial analysts and
help onboard new team members.
Perform other duties as necessary to support the goals and
objectives of the relationship management teams.
Attributes necessary to succeed in the role include but not limited
Strong finance and credit acumen, negotiation, loan documentation,
and financial modeling skills including underwriting and
structuring of new relationships.
Demonstrates ability to independently gather, consolidate, analyze
and summarize data to provide well-informed recommendations
verbally and in writing to risk management partners.
Proven ability to identify, quantify and communicate subtle
business risks and key drivers of financial risk and focus
Ability to learn all credit analysis systems and applicable bank
software applications; continuous learning related to credit risk
and commercial banking required. Innate curiosity about banking
environment and industry trends, ability to learn and use evolving
technology, processes, information systems and digital
Adapt to agile and continuous improvement environment with a strong
collaborative customer-centric mindset
Champion a diverse and inclusive culture of respect,
accountability, integrity and engagement.
Effectively partner and contribute towards team goals and
Adhere to all company policies and applicable laws, regulations and
4-year college degree or related experience
2+ years of commercial lending or investment banking, risk
assessment, credit structuring and marketing experience is
Knowledge and understanding of Commercial Banking products,
services and technology
KeyCorp is an Equal Opportunity and Affirmative Action Employer
Keywords: KeyCorp, Syracuse , Commercial Analyst, Professions , Syracuse, New York
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