Credit Review Associate

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

📋 Description

• Conduct thorough reviews of individual credit files to evaluate the quality of underwriting and portfolio management.

• Validate and adjust risk ratings independently when required.

• Execute credit risk intelligence efforts and utilize insights to select loan samples.

• Identify loans that exhibit potential weaknesses or have clearly defined issues.

• Analyze trends that impact loan portfolio quality and identify potential problem areas.

• Evaluate compliance with internal credit policies and procedures, and monitor adherence to applicable laws and regulations.

• Stay updated on credit review methodologies and regulatory expectations.

• Perform credit portfolio reviews, providing appropriate critiques and feedback.

• Prepare reports that summarize review findings and recommendations.

• Collaborate with fellow Credit Risk Review team members and internal bank stakeholders.

• Engage in special projects, ongoing credit risk intelligence initiatives, and related training sessions.

• Report results to the Credit Risk Review management team.

• Execute additional responsibilities as assigned.

⛳️ Requirements

• Minimum of 3 years of relevant credit experience (required).

• Experience in credit review (preferred).

• Bachelor's Degree (preferred).

• Master's Degree (preferred).

• Credit Risk Certification (CRC) (preferred).

• Moody’s Analytics Certificate in Commercial Credit (CICC) (preferred).

• Capability to independently assign risk ratings based on internal policies, risk rating methodologies, and external regulatory guidance.

• Proficiency in assessing client creditworthiness and conducting independent financial analyses.

• Ability to work autonomously, seek necessary information, and collaborate as needed.

• Strong business writing skills and effective presentation of information.

• Competence in prioritizing and managing multiple assignments while proactively communicating delays or availability issues.

• Foundational understanding of lending products along with business, industry, and regulatory concepts.

• Capability to build and sustain strong relationships across all lines of defense.

• Excellent communication skills.

• Ability to make informed decisions based on available information.

• Adherence to KeyBank's policies, procedures, ethical standards, and relevant laws and regulations.

🏝️ Benefits

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

• Access to benefits as outlined by KeyBank.

• Option for remote work arrangements.

• Occasional travel requirements, including overnight stays.