**Location:** 127 Public Square - Cleveland, Ohio 44114 **JOB BRIEF (PURPOSE)** Responsible for conducting the analysis, creating the approval package and recommending approval for all credit proposals for new KeyBank Business Capital Clients. Supports the Business Development Officer (BDO) in developing a “trusted advisor” relationship based upon knowledgeable advice that is aligned to the Client’s’ or Prospect’s’ business or industry. Partnering with RM/BDO, meets with Clients on financing and/or financial modeling. Recommends appropriate structure for credit product(s). **ESSENTIAL JOB FUNCTIONS** + Conducts the analysis and underwriting of all new Client transactions. Proposes recommended structure and accumulates all data necessary to perform focused analysis. + Participates within the site visits and is actively involved in discussions with the appropriate Client representative (CFO and/or Client senior management) throughout the underwriting process. + Assists in coordinating and reviewing third party collateral and field exam reports. + Ensures an efficient and effective transfer of knowledge from the BDO to the Portfolio Manager. + Reviews financial statements and all other relevant financial and non-financial data to develop a concise, focused analytical foundation for a credit decision. + Provides value-added feedback through the use of risk/mitigant analysis. + Focuses on the liquidity and cash flow as a foundation for the credit’s historical and projected performance. + Practices disciplined use of the technology, tools and procedures (Spreading Software, Risk Rating, Pricing/Return Models, KBBC Excel tools, credit policy guidelines, etc.). + Constructs unique analysis/tables/illustrations when appropriate to support the underwriting. + Proactively engages with deal teams to recommend solutions, generate ideas, address arising issues and/ or anticipate challenges. + Follow market activity and trends including trends inside and outside of asset based lending markets, and deliver actionable advice to the deal team. + Identify and discuss the material industry risks and the methods used by the Client to successfully compete. + Proven understanding of the importance of balancing business development and asset quality. **REQUIRED QUALIFICATIONS** + Bachelor’s Degree in accounting, finance, economics, or related field. + Two years of experience within a commercial credit analysis role. + Foundation of commercial credit knowledge, analytical skills, and financial acumen. Job Posting Expiration Date: 03/31/2025 KeyCorp is an Equal Opportunity and Affirmative Action Employer committed to building a diverse, equitable and inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or other protected category. 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 HR_Compliance@keybank.com . Key is an Equal Opportunity Employer, including disability/veterans. Headquartered in Cleveland, Ohio, KeyCorp (Key) is one of the nation’s largest financial services companies. Key provides investment management, retail and commercial banking, consumer finance and investment banking products to individuals and companies throughout the United States and, for certain businesses, internationally. At Key we’ve made a promise to our clients that they will always have a champion in us. To deliver on that promise, we’re committed to building a team of engaged employees who do the right thing for our clients and help them achieve their financial goals each and every day.