Credit Review Officer - Payments or Counterparty

Job Summary

Credit Risk Review (CRR) is considered part of the second line of defense. CRR is accountable to the organization’s Chief Risk Officer and KeyCorp Board of Directors and is responsible for performing the organization’s loan review function. This is accomplished through completion of an annual review plan, which may include both periodic and continuous file review. The CRR team is responsible for ensuring accurate and timely risk ratings to assess the credit quality and identification or confirmation of problem credit exposures. The team is also accountable for providing an objective, independent and timely assessment of the overall quality of the loan portfolio. The team is responsible for evaluating the activities of lending personnel and management, including compliance with lending policies and the quality of their loan approval, monitoring, and risk assessment. Lastly, the team will perform continuous loan review and monitoring including interaction with Line of Business executives and Credit Risk Management to identify potential shifts in credit risk.

Job Requirements

• Demonstrate advanced credit skills including the ability to independently assign risk ratings based on external regulatory guidance and Key’s internal policies and risk rating methodologies.
• Demonstrate ability to accurately assess client’s creditworthiness and complete independent financial analysis.
• Exhibit ability to work independently towards goals, seeking information and collaborating, as necessary.
• Consistently demonstrate advanced business writing skills and the ability to cohesively present information effectively to others including the delivery of findings and other credit risk matters to senior management.
• Prioritize and execute multiple assignments; identify obstacles within the scope of assignments; proactively communicate delays in assigned deliverables or additional capacity availability; effectively delegate work when necessary.
• Exhibit leadership skills by leading reviews or ad-hoc projects including managing project staff and delivering feedback on performance.
• Exhibit an advanced understanding of lending products and business, industry and regulatory concepts and be considered a Subject Matter Expert (SME) in a specific lending discipline, product, or line of business.
• Develop relationships with internal bank clients; thoughtfully engage in networking with members of your team and across Key, to build lasting relationships.
• Demonstrate the ability to perform in an organizational culture of respect and personal accountability regarding Inclusion and Belonging.

Qualifications

• Education: Bachelor’s Degree - preferred Master’s Degree – preferred
• Experience: 6-12 years of credit experience in Payments and/or Counterparty Credit Risk preferred.
• Relevant Professional Certification – Preferred ProSight/RMA Credit Risk Certification (CRC) Moody’s Analytics Certificate in Commercial Credit (CICC)

Compensation And Benefits

This position is eligible to earn a base salary in the range of $96,000.00 - $181,000.00 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.