Credit Analyst (Small Business Credit Underwriting Quality Assurance Team)

0100 KeyBank National Association; Town of Amherst (NY); Hybrid; USD 52,000 - 80,000; Full time

Job summary

KeyBank's Amherst-based Credit Portfolio Analysts monitor the Small Business Commercial portfolio, developing strategies to maintain asset quality and ensure policy compliance. They analyze credit information, drive workflow, and support underwriting decisions.

Core duties include data integrity checks, monitoring risk metrics, and collaborating with teams to implement portfolio management strategies. Hybrid work and salary range are noted.

Qualifications

• Bachelor’s Degree with focus on Business or equivalent experience.
• Understanding of commercial credit policies and loan systems.
• Familiarity with commercial credit underwriting/approval methodologies.
• Ability to work well individually and in a team.
• Strong organizational skills and multitasking ability.
• Proficiency in Microsoft Office (Word, Excel, Access, PowerPoint).

Responsibilities

• Analyze credit data including underwriting decisions and communicate findings.
• Monitor queues related to portfolio activities.
• Perform post-approval certification to maintain data integrity and policy compliance.
• Monitor asset quality measures against tolerances.
• Adapt to changing risk management environments and policies.

Skills

Credit analysis

Portfolio monitoring

Microsoft Office

Teamwork

Education

Bachelor's degree in Business or related field

Tools

Excel

Word

PowerPoint

Access

Job description

Location:

4224 Ridge Lea Road, Amherst New York

About the Job (Job Brief)

Credit Portfolio Analysts serve as portfolio monitoring managers of Key Community Bank’s Small Business Commercial portfolio. They are responsible for the development and execution of portfolio management strategies to maintain asset quality while ensuring compliance with credit policy and guidelines. They gather and analyze various pieces of credit information to monitor approvals and declinations decisioned by the underwriting team, drive workflow, and proactively take the necessary actions.

Essential Job Functions

• Ability to analyze credit data including underwriting decisions, document and communicate findings providing relative guidance.
• Monitor various queues related to portfolio activities.
• Perform critical post approval/booking certification functions to maintain data integrity and quality by assessing critical data elements (i.e. Customer and facility risk ratings, proper Probability of Default and Loss Given Default, citing of credit policy exceptions, compliance around restricted industries, etc.) and make determination as to compliance with underwriting guidelines and credit policy.
• Closely monitor all asset quality measures including performance against tolerances.
• Periodic assignments related to the constantly changing risk management environments using knowledge of commercial loan systems, data elements and policy/procedures.
• Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice.
• Complies 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.

Required Qualifications

• Bachelor’s Degree with a preferred focus on Business course work, or equivalent work experience.
• Satisfactory understanding and knowledge of commercial credit policies, procedures, and loan systems (preferred)
• Familiarity with, and understanding of, commercial credit underwriting/approval methodologies and their use (preferred)
• Ability to work well individually as well as part of a team.
• Accomplished self-starter and well-organized in thought and action.
• Possess a process improvement mindset.
• Strong organizational skills, ability to set priorities in a multitask environment.
• Satisfactory knowledge and proficiency in working with personal computers and business software (e.g. Microsoft Office - Word, Excel, Access and PowerPoint).
• Commitment to core values; Teamwork, Respect, Accountability, Integrity, Leadership

Core Competencies

All KeyBank employees are expected to demonstrate Key’s Values and abide by Key’s Code of Conduct.

Physical Demands

General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.

Work Location Category

Hybrid- 3+ days in office. Preferred location is Amherst, NY however will consider applicants local to Brooklyn, OH.

Compensation and Benefits

This position is eligible to earn a base salary in the range of $52,000.00 - $80,000.00 annually. Placement within the pay range may differ based upon various factors, including but not limited to skills, experience and geographic location. Compensation for this role also includes eligibility for incentive compensation which may include production, commission, and/or discretionary incentives.

Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.

Job Posting Expiration Date: 11/21/2026

KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law. Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing [e-mail].

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KeyBank is an organization collectively committed to helping you unlock your potential and discover what truly drives you. Working here means sharing our purpose to help our clients, colleagues, and communities thrive. You’ll find genuinely supportive teammates, a flexible, inclusive work environment, challenging projects, accessible leaders, and opportunities to grow in your position and your career. For 200 years, Key has opened doors in our communities. Let us open one for you.