Commercial Analyst

This is a fully remote position, open to applicants in California.

📋 Description

• Assist in sales and credit operations as a part of a relationship-focused team.

• Collaborate with relationship managers to develop presentation materials for potential clients and existing customers.

• Oversee lending processes for relationships involving credit commitments of less than $10 million.

• Work alongside relationship managers, loan closers, and underwriters as an integral member of the deal team.

• Lead or engage in due diligence meetings to gain insights into clients’ businesses, management teams, and industry sectors.

• Evaluate loan applications, identify necessary business documents and financial statements, and gather and upload these materials to Salesforce and the bank’s secure document collection portal.

• Request and assess financial statement spreads while preparing Return on Equity analyses.

• Draft preflight memos for discussions within the deal team.

• Input new loan requests, renewals, and modifications into nCino and submit them for underwriting approval.

• Review final credit approval memos and coordinate with loan closers or external counsel to finalize loan documentation.

• Examine loan documents to ensure alignment with credit approval memos.

• Validate that waiver, amendment, and extension requests are approved and properly documented.

• Collaborate with the Credit Surveillance team on interim and annual reviews of relationships.

• Conduct annual data integrity assessments across various systems, including Salesforce, nCino, Hogan, and LIQ.

• Identify declining credits and other credit issues, communicating these concerns to risk partners.

• Partner with bank examiners and internal credit reviewers to ensure credit quality and process integrity.

• Manage ongoing activities related to client relationship portfolios, including gathering borrower financial statements, renewing or extending loans and lines, and addressing internal risk-rating findings.

• Aid in the training and development of new Commercial Analysts.

• Adhere to KeyBank policies and procedures and undertake additional duties as assigned.

⛳️ Requirements

• Bachelor’s Degree in Business, Finance, or a related discipline (required).

• At least 2 years of experience in commercial banking, including credit structuring and analysis, sales roles, risk assessment, and familiarity with commercial banking products, services, and technology (required).

• Minimum of 2 years of experience in Credit Structuring & Financial Analysis (required).

• Capability to manage workflow and complex commercial banking transactions (required).

• Ability to handle stress and prioritize competing tasks (required).

• Preferred: A minimum of 2 years working in Commercial Middle Market Credit Structuring & Financial Analysis.

• Preferred: 2 years of experience in Commercial Middle Market Underwriting and Financial Analysis.

• Formal credit training is highly desirable.

• Proficient in Microsoft Word, Excel, and PowerPoint.

• Familiarity with systems such as Salesforce, nCino, and SharePoint.

• Ability to meet deadlines and manage multiple tasks simultaneously.

• Strong business acumen.

• Excellent oral and written communication skills.

• Strong analytical thinking capabilities.

• Knowledge of risk management practices.

• Must have the ability to occasionally operate a motor vehicle with a valid driver's license.

🏝️ Benefits

• Base salary range of $71,000.00–$125,000.00 annually.

• Eligibility for incentive compensation, which may include production, commission, and/or discretionary incentives.

• Flexible workspace arrangements that allow for effective performance in a mobile environment.

• Comprehensive benefits package for which the position qualifies (specific benefits linked in posting).