SBA Credit Associate — Underwriting & Risk Analysis

KeyBank; Pittsburgh (Allegheny County); On-site; USD 65,000 - 85,000; Full time

Job summary

KeyBank is seeking a Credit Associate focused on SBA guaranteed loans. The role involves gathering and interpreting credit information, analyzing financial statements, and making risk-based recommendations under supervision.

You will support loan structuring, annual reviews, and portfolio monitoring while collaborating with bankers and credit partners to maintain asset quality. The position requires independent workflow management and the ability to escalate deteriorating credits with

Qualifications

• Experience gathering, analyzing and interpreting credit information to determine credit worthiness.
• Ability to assess risk and recommend credit solutions within policy.
• Strong financial statement analysis including cash flow, balance sheet and tax returns.

Responsibilities

• Evaluate loan requests to identify purpose, risk elements and collateral adequacy.
• Analyze liquidity, management quality, market position, and industry conditions to estimate profitability.
• Review financial statements and tax returns to determine risk and creditworthiness.
• Prepare credit write-ups and assist in loan structuring within delegated authority.
• Monitor portfolio for deteriorating credits and recommend restructures as needed.
• Conduct annual reviews and ensure loan documentation matches approvals.
• Maintain credit files and develop financial models to support underwriting.

Job description

KeyBank is seeking a Credit Associate focused on SBA guaranteed loans. The role involves gathering and interpreting credit information, analyzing financial statements, and making risk-based recommendations under supervision.

You will support loan structuring, annual reviews, and portfolio monitoring while collaborating with bankers and credit partners to maintain asset quality. The position requires independent workflow management and the ability to escalate deteriorating credits with