Credit Analyst

Credit Analyst page is loaded## Credit Analyst locations:
Brooklyn, OHtime type:
Full time posted on:
Posted Todaytime left to apply:
End Date:
March 31, 2026 (27 days left to apply) job requisition :
R-38095
*
* Location:

** 4910 Tiedeman Road, Brooklyn Ohio
** Job Summary
** The Credit Analyst is an individual contributor responsible for gathering, analyzing, and interpreting various types of credit information on existing and prospective customers to determine credit worthiness. While under the supervision of Underwriting Team Leaders, the Credit Analyst assists in structuring new requests for extensions of credit, as well as completing extensions, renewals and making recommendations for improving the bank's position with deteriorating credits.

Credit Analysts are responsible for assessing the degree of risk within a given business and recommending client credit solutions to maintain the bank's asset quality while ensuring compliance with credit policy and guidelines.

** Essential Functions
*** Evaluate loan requests to properly identify purpose, risk elements, and collateral adequacy.
* Assess the liquidity, quality of management, market position, and overall business climate to estimate future profitability of business.
* Analyze credit data, financial statements (cash flow, balance sheet, income statements), and tax returns (both personal and business) to determine creditworthiness and the degree of risk involved in extending credit or lending.
* Apply accounting principles to basic financial modeling.
* Input, interpret, and assess risk rating model output and client data to develop a credit recommendation.
* Develop the credit write-up to recommend loan structuring opportunities to present to Credit partners and/or Credit Officers; document and communicate findings providing relative guidance.
* Identify deteriorating credits early and escalate with considerations for restructure.
* Initiate annual reviews.
* Review loan documentation to ensure loan documents match terms and conditions outlined in the credit approval.
* Create and maintain credit files, and develop spreadsheets based on financial statements to facilitate foundational underwriting analysis.
* Responsible for client setup, client data tracking, document tracking, reports, testing borrowing base certificates and covenant compliance, trends, and dashboards.
* Provide financial analysis and portfolio administration to ensure timely and accurate risk ratings.
* Prepare loan packages and monitor and maintain loan portfolios.
* May mentor newly hired analysts.
* 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 Key Bank 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 or equivalent work experience in finance, accounting, economics and/or business. (required)  
** Work Experience
*** Experience with financial and/or borrower analysis (required)
* Competent with Microsoft Office and the ability to learn and effectively utilize other technology applications (required)
* Understanding of financial models (required)
* Ability to gather relevant research, analyze data, and synthesize information to draw conclusions and produce insights (required)
* Effective presentation and communication skills, with the ability to collaboratively make an impact (required)
* Ability to plan, multi-task, manage time effectively, and work, independently at times, with supervision of senior team members (required)  
** Skills
* ** Able to gather or pull together relevant information and utilize it to draw insights, conclusions, solution problems, make decisions and/or tell a story. Requires one to make sense of the data and display logical, connected thinking. (experienced level)
* Demonstrates an understanding of foundational accounting principles and can interpret and analyze financial statements (balance sheets, income statements, cash flow statements) to assess a…