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KeyBank Commercial Analyst in Seattle, Washington

Location: 1301 5th Avenue - Seattle, Washington 98101 All commercial analyst functions as part of a relationship team and work collaboratively to support sales and credit functions of the bank. Core responsibilities include conducting in-depth industry and financial analysis of existing and potential borrowers, ongoing loan portfolio management, risk assessment, and managing the credit approval process. ESSENTIAL JOB FUNCTIONS Work closely with the relationship managers, loan closers, and underwriters to identify and respond to client requirements as a member of the deal team, lead and/or participate in due diligence meetings for in-depth understanding of clients\' business, management teams and industry sector. Assist bankers with disciplined sales management approach, update client information and data in Salesforce, methodical marketing activity and continuous upmarket prospecting. Research industry specific information from outside sources, which may include conversation with borrowers, industry publications, references from other banks, credit agencies, as well as accessing information through the internet. Analyze commercial loan requests via credit analysis write-up, including but not limited to: reviewing financial statement spreads, calculation of key financial ratios, analysis of the borrowers\' business and financial integrity. Develop and articulate a dynamic, forward-looking risk assessment of prospects and clients, transaction structures, competitive threats, industry and other factors. Ensure risk ratings are appropriate and accurately recorded. Apply corporate finance, accounting expertise and research findings to develop appropriate credit and financing structures relative to risk assessment. Work closely with the centralized loan origination team who leads diligence activities, and underwriting teams to facilitate credit approvals. Analyze and negotiate covenants and other terms and conditions as part of a deal team Review, negotiate and maintain legal documentation to ensure terms are appropriate and consistent with credit approval. Ensure proper approvals for all required waivers, amendments, and extensions. Work with support partners to perform system maintenance to ensure proper portfolio assignments and with RMs to ensure accurate pipeline activities within Salesforce. Provide early identification and proactive management of deteriorating credits and other problem situations Work with bank examiners and internal credit reviewers to validate credit quality and integrity of the credit process Work closely with designated teams to ensure accuracy of credit system data Assist in training and developing junior commercial analysts and help onboard new team members. Perform other duties as necessary to support the goals and objectives of the relationship management teams. Attributes necessary to succeed in the role include but not limited to - Strong finance and credit acumen, negotiation, loan documentation, and financial modeling skills including underwriting and structuring of new relationships. Demonstrates ability to independently gather, consolidate, analyze and summarize data to provide well-informed recommendations verbally and in writing to risk management partners. Proven ability to identify, quantify and communicate subtle business risks and key drivers of financial risk and focus discussions accordingly Ability to learn all credit analysis systems and applicable bank software applications; continuous learning related to credit risk and commercial banking required. Innate curiosity about banking environment and industry trends, ability to learn and use evolving technology, processes, information systems and digital platforms. Adapt to agile and continuous improvement environment with a strong collaborative customer-centric mindset Champion a diverse and inclusive culture of respect, accountability, integrity and en