Business Banking Underwriter II

About the role

Business Banking Underwriter II positions are available at Key Bank. These roles are part of a team that analyzes credit information for both existing and prospective customers. The primary responsibility is to evaluate the creditworthiness of borrowers to make a credit decision.

Responsibilities

• Evaluate applicant's credit needs, financial strength and other background information to determine if the 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 businesses.
• 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.
• Perform other duties as assigned.

Requirements

• 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.

Qualifications

• Must have a bachelor's degree.
• Must have prior experience in commercial/small business lending.
• Must have familiarity with traditional and automated commercial credit underwriting methodologies.
• Must demonstrate commitment to Key's core values.
• Must have system experience with specified software tools.
• Must have experience with Microsoft products.

Skills

• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal skills.
• Ability to work independently and as part of a team.
• Proficiency with Microsoft Office Suite.
• Knowledge of credit underwriting principles and practices.

Benefits

This position is eligible for a base salary ranging from $48,000.00 to $72,000.00 annually, with placement within the range varying based on various factors such as skills, experience, and geographic location. Additionally, this role offers eligibility for incentive compensation, which may include production, commission, and/or discretionary incentives. For a full list of benefits, please click here.

Pay

The base salary for this position ranges from $48,000.00 to $72,000.00 annually.

Schedule

This role is a hybrid position, requiring 3+ days a week in the office.

Location

The role is located at 4224 Ridge Lea Road, Amherst, New York. This is a remote-friendly position with flexibility for working from home.

Job Posting Expiration Date

07/14/2026