Commercial Analyst

Location: 1301 5th Avenue, Seattle Washington Job Summary The Commercial Analyst functions as part of a relationship team and works collaboratively to support sales and credit functions of the bank. Core responsibilities include working with relationship managers to create pitch materials for prospects and managing all functions of the lending process for relationships less than $10 million in credit commitments. This includes sales team support, client due diligence and managing the credit approval process to ensure timeliness, quality and the data integrity of all documentation and systems of record information. Responsibilities Work closely with relationship managers, loan closers, and underwriters to identify and respond to client requirements as a member of the deal team for credit commitments less than $10 million. Create pitch materials for all prospects and/or clients, regardless of credit commitment amount. Lead and/or participate in due diligence meetings for in-depth understanding of clients’ business, management teams and industry sector. Review loan requests under $10 million in credit commitments to determine required business documents and financial statements needed for loan approval; collect and upload items to Salesforce, utilizing the bank’s secure document collection portal as appropriate. Complete related lending tasks such as requesting and reviewing financial statement spreads, preparing a Return on Equity (ROE) analysis. Prepare preflight memo for discussion with deal team, focusing on accuracy of loan request details. Complete data entry in nCino for new loan requests/renewals/modifications and submit requests for underwriting. Review final credit approval memos for accuracy and engage with loan closers or outside counsel for preparation of loan documentation. Review loan documentation to ensure all terms are consistent with the credit approval memo (e.g., interest rates, covenant definitions, etc.). Ensure all waiver, amendment, and extension requests are properly approved and saved appropriately. Work with Credit Surveillance team to ensure interim and annual relationship reviews are completed accurately. Perform annual portfolio data integrity reviews to ensure systems of record accurately reflect risk ratings, loan booking data and any other related borrower information. Take proactive approach in early identification of deteriorating credits and other potential credit concerns, such as change in borrower ownership or wherewithal, by communicating those concerns to risk partners. Work with bank examiners and internal credit reviewers to validate credit quality and integrity of the credit process. Take proactive approach to ongoing portfolio management of client relationships, including timely collection of borrower financial statements, ensuring loans/lines are renewed or extended timely, and internal risk rating findings are properly remediated and managed. Assist in training and developing new Commercial Analysts. Perform other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice. Education Qualifications Bachelor's Degree in Business, Finance or a related field (required). Experience Qualifications 2 years of commercial banking experience (e.g., credit structuring & analysis, sales functions, risk assessment, knowledge of commercial banking products, services & technology) accounting (required). 2 years working in Credit Structuring & Financial Analysis (required). Ability to manage workflow and complexes commercial banking deals (required). Ability to manage stress and competing priorities (required). 2 years working in Commercial Middle Market Credit Structuring & Financial Analysis (preferred). 2 years Commercial Middle Market Underwriting and Financial Analysis (preferred). Tactical Skills Formal credit training strongly preferred. Proficiency in Microsoft Word, Excel, PowerPoint. Applicable systems may include Key proprietary systems such as Salesforce, nCino, SharePoint. Practical Skills Business Acumen. Oral & Written Communication. Analytical Thinking. Risk Management. Core Competencies All KeyBank employees are expected to demonstrate Key’s Values and sustain proficiency in identified Leadership Competencies. 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. Compensation & 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 on skills, experience and geographic location. Compensation also includes eligibility for incentive compensation which may include production, commission and/or discretionary incentives. Key has a list of benefits for which this position is eligible, including insurance, retirement plans, open enrollment, paid time off, and more. Job Posting Expiration Date: 07/31/2026 Equal Opportunity Statement KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law. 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