Business Banking Underwriter II

Location:

4224 Ridge Lea Road, Amherst New York

Please note that there are 3 total positions available. Each position will report to a different manager on the team.

Business Banking Underwriter II

Underwriters analyze all types of credit information on both existing and prospective customers. They are responsible for evaluating the creditworthiness of borrowers to render a credit decision. The function typically includes new money requests, renewals and amendments.

Essential Job Functions

• Evaluate applicant's credit needs, financial strength and other background information to determine if request for credit is an acceptable risk.

• Assess industry risk, quality of management, market position and overall business climate to estimate future loan repayment capacity of business.

• Interpret cash flow, balance sheet, income statements, and tax returns (both personal and business) to determine credit worthiness.

• Use credit bureau data, credit scoring models, financial statements, and relevant additional financial information to determine the degree of risk involved in extending credit.

• Effectively communicate credit decisions to team members and internal clients (branches, relationship managers, etc.).

• Comply with Key Bank internal policies, applicable laws and regulations.

• 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.

Required Qualifications

• Bachelor's Degree with a preferred focus on business course work, or equivalent work experience.

• Prior experience with commercial/small business lending is a plus

• Familiarity with, and understanding of, traditional and automated commercial credit underwriting methodologies and their use is a plus

• Commitment to Key core values: Teamwork, Respect, Accountability, Integrity and Leadership.

• System experience with LIQ, CLS, Hogan, CEDesktop, Salesforce, nCino are all preferred. Experience with Microsoft products required.

Work Location Category:

Hybrid- 3+ days a week in office.

COMPENSATION AND BENEFITS

This position is eligible to earn a base salary in the range of $48,000.00 - $72,000.00 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: 08/04/2026

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.

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 View email address on click.appcast.io.

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KeyBank is an organization collectively committed to helping you unlock your potential and discover what truly drives you. Working here means sharing our purpose to help our clients, colleagues, and communities thrive. You’ll find genuinely supportive teammates, a flexible, inclusive work environment, challenging projects, accessible leaders, and opportunities to grow in your position and your career. For 200 years, Key has opened doors in our communities. Let us open one for you.