Hybrid: Commercial Credit Underwriter & Analyst

KeyBank National Association; Grand Rapids (MI); Hybrid; USD 63,000 - 96,000; Full time

Job summary

KeyBank National Association is seeking a Commercial Credit Underwriter to evaluate loan requests, analyze financial data, and determine creditworthiness for business clients. You will work under supervision to structure extensions of credit, renewals, and provide recommendations to mitigate risk while maintaining asset quality.

Ideal candidates have a minimum of 2 years in commercial underwriting, solid accounting fundamentals, and strong communication skills to coordinate with bankers and

Qualifications

• Bachelor's Degree or equivalent work experience in finance, accounting, economics and/or business.
• Minimum of 2 years of commercial underwriting or related experience.
• Proficient with Microsoft Office and the ability to use other technology applications.
• Understanding of financial models.
• Ability to analyze data and assess creditworthiness.

Responsibilities

• Evaluate loan requests to identify purpose, risk elements, and collateral adequacy.
• Assess liquidity, management quality, market position, and industry to estimate profitability.
• Analyze credit data, financial statements, and tax returns to determine risk.
• Apply accounting principles to financial modeling.
• Input and interpret risk rating model output for credit recommendations.
• Develop the credit write-up to support loan structuring decisions.
• Identify deteriorating credits early and elevate with recommendations for restructure.
• Initiate annual reviews; review loan documentation for terms alignment.
• Create and maintain credit files and develop financial spreadsheets for underwriting.

Skills

Credit analysis

Financial analysis

Risk assessment

Communication skills

Time management

Education

Bachelor's degree or equivalent experience

Tools

Microsoft Office

Job description

KeyBank National Association is seeking a Commercial Credit Underwriter to evaluate loan requests, analyze financial data, and determine creditworthiness for business clients. You will work under supervision to structure extensions of credit, renewals, and provide recommendations to mitigate risk while maintaining asset quality.

Ideal candidates have a minimum of 2 years in commercial underwriting, solid accounting fundamentals, and strong communication skills to coordinate with bankers and