The Role Supports commercial banking relationship teams by preparing prospect pitch materials, managing lending processes for commitments under $10 million, conducting due diligence, reviewing financial documentation, coordinating credit approvals, maintaining loan and portfolio data, and monitoring credit risks. The role also supports renewals, amendments, documentation accuracy, regulatory reviews, and training new analysts. Summary Generated by

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For Those Who Work At Home, California

APPLICANTS FOR THIS POSITION MUST RESIDE IN THE STATE OF CALIFORNIA.

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 system 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 (e.g., Salesforce, nCino, Hogan, LIQ) 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 using the bank's secure document collection portal, ensuring loans/lines are renewed and/or extended timely, and internal risk rating findings are properly remediated and managed Assist in training and developing new Commercial Analysts 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. 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. Education Qualifications Bachelor's Degree in Business, Finance or a related field (required) Experience Qualifications Minimum of 2 years of commercial banking experience (e.g., credit structuring & analysis, sales functions, risk assessment, knowledge of commercial banking products, services & technology) accounting (required) Minimum of 2 years working in Credit Structuring & Financial Analysis (required) Ability to manage workflow and complex commercial banking deals (required) Ability to manage stress and competing priorities (required) Minimum of 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 e.g. Salesforce, nCino, SharePoint Ability to meet timelines and perform multiple tasks 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. Driving Requirements Ability to occasionally operate a motor vehicle with a valid driver's license.

COMPENSATION AND 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 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:

11/30/2026 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 HR_Compliance@keybank.com. #LI-Remote Read Full Description Skills Required Bachelor's degree in Business, Finance, or a related field At least 2 years of commercial banking experience, including credit structuring and analysis, sales functions, risk assessment, and commercial banking products, services, or technology At least 2 years of experience in credit structuring and financial analysis Ability to manage workflow and complex commercial banking deals Ability to manage stress and competing priorities At least 2 years of experience in commercial middle-market credit structuring and financial analysis At least 2 years of commercial middle-market underwriting and financial analysis experience Formal credit training Proficiency in Microsoft Word, Excel, and PowerPoint Ability to meet timelines and perform multiple tasks Business acumen, oral and written communication, analytical thinking, and risk management skills Ability to occasionally operate a motor vehicle with a valid driver's license KeyBank Compensation & Benefits Highlights The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about KeyBank and has not been reviewed or approved by KeyBank. About This Summary Retirement Support — A dollar-for-dollar 401(k) match up to 7% of eligible pay is positioned as a standout element of the total rewards package. Additional financial programs like discounted stock purchase and banking discounts further strengthen perceived long-term value. Leave & Time Off Breadth — A pooled PTO bank with amounts that scale by level and tenure is described as a meaningful benefit and a retention lever. Paid parental leave is also included, adding to the breadth of time-off support. Wellbeing & Lifestyle Benefits — Wellness incentives tied to HSA contributions and company-sponsored health and wellbeing programs add tangible non-cash value. A Lifestyle Spending Account and counseling resources expand support beyond traditional medical coverage. Learn more about KeyBank's Compensation & Benefits → KeyBank Insights What's It Like to Work at KeyBank? KeyBank Culture & Values KeyBank Career Growth & Development What's the Work-Life Balance Like at KeyBank? KeyBank Leadership & Management KeyBank Company Growth, Stability & Outlook View all jobs at KeyBank View KeyBank Profile Report Job