Credit Associate (0-1mm commitments)

Location:4910 Tiedeman Road, Brooklyn OhioJob SummaryThe Credit Associate (0 - 1mm in commitments) is an individual contributor experienced in, and responsible for gathering, analyzing, and interpreting various types of credit information on existing and prospective customers to determine credit worthiness. While under supervision of Underwriting Team Leaders, the Credit Associate assists in structuring new requests for extensions of credit, as well as completing extensions, renewals and making recommendations for deteriorating credits while independently managing their workflow and communication with field partners. Credit Associates are responsible for assessing the degree of risk within a given business and recommending client credit solutions to maintain the bank's asset quality while ensuring compliance with credit policy and guidelines. Credit Associates are required to make loan decisions within an assigned lending authority and provide educated, well-thought-out recommendations when higher-level approval is needed.Essential FunctionsEvaluate loan requests to properly identify purpose, risk elements, and collateral adequacy.Assess the liquidity, quality of management, market position, industry and overall business climate to estimate future profitability of business.Analyze credit data, financial statements (cash flow, balance sheet, income statements), and tax returns (both personal and business) to determine creditworthiness and the degree of risk involved in extending credit or lending.Apply accounting principles to financial put, interpret, and assess risk rating model output and client data to develop a credit recommendation.Develop the credit write-up to make loan structuring decisions within delegated authority or make recommendations to the appropriate Credit partners/Officers; document and communicate findings providing relative guidance.Identify deteriorating credits early and escalate with well thought out/experienced recommendations for itiate annual reviews.Review loan documentation to ensure loan documents match terms and conditions outlined in the credit approval.Create and maintain credit files, and develop spreadsheets based on financial statements to facilitate foundational underwriting analysis.Responsible for client setup, client data tracking, document tracking, reports, testing borrowing base certificates and covenant compliance, trends, and dashboards.Provide financial analysis and portfolio administration to ensure timely and accurate risk ratings.Prepare loan packages and monitor and maintain loan portfolios.Serve as a mentor, coach, and trainer for Credit Analysts.Collaborate with bankers and credit partners to drive the efficiency and effectiveness of the credit process to meet client expectations.Participate in periodic projects related to changes in risk management processes, policies or environment and/or underwriting process improvement/optimization.Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without noticeComplies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key's clients and Key.Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without noticeComplies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key's clients and Key.EducationBachelor's Degree or equivalent work experience in finance, accounting, economics and/or business (required)Work Exp

Created: 2025-12-18