Location:For Those Who Work At Home, Ohio
Job SummaryCredit Risk Review (CRR) is considered part of the second line of defense. CRR is accountable to the organization's Chief Risk Officer and KeyCorp Board of Directors and is responsible for performing the organization's loan review function. This is accomplished through completion of an annual review plan, which may include both periodic and continuous file review.
The CRR team is responsible for ensuring accurate and timely risk ratings to assess the credit quality and identification or confirmation of problem credit exposures. The team is also accountable for providing an objective, independent and timely assessment of the overall quality of the loan portfolio. The team is responsible for evaluating the activities of lending personnel and management, including compliance with lending policies and the quality of their loan approval, monitoring, and risk assessment. Lastly, the team will perform continuous loan review and monitoring including interaction with Line of Business executives and Credit Risk Management to identify potential shifts in credit risk.
The Credit Review Associate will work with a team of reviewers to conduct individual credit file reviews to assess the quality of underwriting and portfolio management activities of the lending relationship and principally to independently validate and, if necessary, adjust the risk ratings; perform active, dynamic, and comprehensive credit risk intelligence with the ability to leverage insights to determine loan sample selection; identify loans with potential or well-defined weaknesses; perform timely and comprehensive analysis to identify trends that affect the quality of the loan portfolio and potential problem areas; assess the adequacy of and adherence to internal credit policies and procedures and monitor compliance with applicable laws and regulations; and maintain an up-to-date working knowledge of credit review methodologies and regulatory expectations.
During a credit risk review, the Credit Review Associate, in addition to individual credit file reviews, will be asked to conduct reviews of credit portfolios, provide appropriate review and challenge, and write reports of conclusions and recommendations resulting from the reviews. The Credit Review Associate will collaborate with other team members. The role is also inclusive of participation in special projects, and the completion of ongoing credit risk intelligence activities and related training.
Essential Functions- Demonstrate effective credit skills including the ability to independently assign risk ratings based on Key's internal policies and risk rating methodologies, as well as external regulatory guidance.
- Demonstrate ability to accurately assess client's creditworthiness and complete independent financial analysis.
- Exhibit ability to work independently towards goals, seeking information and collaborating, as necessary.
- Consistently demonstrate proficient business writing skills and the ability to cohesively present information effectively to others including the delivery of results to Credit Risk Review management.
- Prioritize and execute multiple assignments; identify obstacles within the scope of assignments; proactively communicate delays in assigned deliverables or additional capacity availability; effectively prioritize work.
- Exhibit a foundational understanding of lending products and business, industry and regulatory concepts.
- Develop relationships with internal bank clients; thoughtfully engage in networking with members of your team and across Key, to build lasting relationships.
- Demonstrate the ability to perform in an organizational culture of respect and personal accountability regarding Inclusion and Belonging.
- 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.
Education- Bachelor's Degree (preferred)
- Master's Degree (preferred)
Work Experience- 3+ years of relevant credit experience (required)
- Credit review experience (preferred)
Licenses and Certifications- Credit Risk Certification (CRC) (preferred)
- Moody's Analytics Certificate in Commercial Credit (CICC) (preferred)
Skills- Ability to build and maintain strong relationships with individual across all lines of defense.
- Strong communication skills to ensure perspectives are clearly and timely conveyed.
- Strength in making challenging decisions based on information available to ensure processes can move forward.
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.
Travel- Occasional travel to include overnight stay.
Work Location CategoryCOMPENSATION AND BENEFITS
This position is eligible to earn a base salary in the range of $71,000.00 - $125,000.00 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.
Please click here for a list of benefits for which this position is eligible.
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: 09/28/2026
