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Credit Analyst

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Seattle, WA

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Credit Analyst


Credit Analysts need to have strong finance and banking knowledge, as well as quantitative abilities. They are responsible for gathering, analyzing, and interpreting all types of credit information on existing and prospective customers within Keys Community Bank. They advise on structure for extensions of credit and restructures for deteriorating credits in assigned portfolios. This position reports to a Credit Risk Leader. Analysts also are supervised by a Risk Program Manager that facilitates rotations throughout credit hub. Lines of business supported primarily include Business Banking, Private Banking and Middle Market.


Assess liquidity, quality of management, market position, and overall business climate to estimate future profitability of business

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

Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money

Analyze customer financial statements pertaining to any debt solution

Input, interpret and assess risk rating model output and client data in order to develop a recommendation

Develop the credit write-up to determine loan structuring opportunities to present to Associates and/or Credit Officers

Ability to apply accounting principles

Solid financial modeling

Early identification of deteriorating credits and both knowledge and ability to escalate with options for restructure

Initiates annual reviews on commercial and private banking relationships.

Analyze documentation of loan transactions and prepare appropriate summaries

Create and maintain credit files, and develop spreadsheets based on financial statements

Responsible for client set up, client data tracking, document tracking, reports, testing borrowing base certificates and covenant compliance, trends and dashboards

Ability to research external markets and client trends

Evaluates loan requests to properly identify purpose, risk elements, collateral adequacy

Recommends appropriate loan structure, risk rating covenants in alignment with credit policy

Preparation of loan packages

Monitoring and maintaining loan portfolios

Demonstrate excellent written, verbal communications, listening and interpersonal skills

Strong organizational skills, ability to set priorities in a multitask environment

Dedicated to providing financial analysis and portfolio administration support for designated credit treatments.

Fully proficient in Keys various loan systems.

Demonstrated ability to work and thrive in a team environment

Research and resolve issues and communicates professionally

Knows when to seek assistance and insight from Associates or Credit Officers

Periodic assignments related to the constantly changing risk management environments

Mentor newly hired analysts


Bachelors Degree with a preferred focus on Business course work, or equivalent work experience.

Ability to work well individually as well as part of a team

Accomplished self-starter and well-organized in thought and action

Demonstrated business writing and communications/presentation skills

Satisfactory knowledge and proficiency in working with personal computers and business software (e.g. Microsoft Office - Word, Excel, Access and PowerPoint)

Commitment to core values; Teamwork, Respect, Accountability, Integrity, Leadership


KeyCorp's roots trace back 190 years to Albany, New York. Headquartered in Cleveland, Ohio, Key is one of the nation's largest bank-based financial services companies, with assets of approximately $134.5 billion at March 31, 2017. Key provides deposit, lending, cash management, insurance, and investment services to individuals and businesses in 15 states under the name KeyBank National Association through a network of more than 1,200 branches and more than 1,500 ATMs. Key also provides a broad range of sophisticated corporate and investment banking products, such as merger and acquisition advice, public and private debt and equity, syndications, and derivatives to middle market companies in selected industries throughout the United States under the KeyBanc Capital Markets trade name. KeyBank is Member FDIC.


Key Community Bank serves individuals and small to mid-sized businesses through a footprint of over 1,000 branches, more than 1,300 ATMs, telephone banking centers, and robust online and mobile capabilities.



KeyCorp is an Equal Opportunity and Affirmative Action Employer committed to engaging a diverse workforce and 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, disability, or veteran status.

Employment Type:

Full Time






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It's the most important thing we do. Our nationally recognized industry experts with KeyBanc Capital Markets Inc. and dedicated financial professionals at KeyBank are focused on your business, every day. We demonstrate our value through our broad financial platform and our commitment to

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