Senior Credit Risk Reviewer

Location:

Job Summary
Credit Risk Review (CRR) is considered part of the third line of defense. CRR is accountable to the organizations Chief Risk Review Officer and KeyCorp Board of Directors and is responsible for performing the organizations 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 risk 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.The Senior Credit Risk Reviewer will work with a team of reviewers to conduct individual credit file reviews to assess the quality of underwriting and portfolio management activities of the lending relationship and principally to independently validate and if necessary adjust the risk ratings; perform active dynamic and comprehensive credit risk intelligence with the ability to leverage insights to determine loan sample selection; identify loans with potential or welldefined weaknesses; perform timely and comprehensive analysis to identify trends that affect the quality of the loan portfolio and potential problem areas; assess the adequacy of and adherence to internal credit policies and procedures and monitor compliance with applicable laws and regulations; and maintain an uptodate working knowledge of consumer credit review methodologies and regulatory expectations. During a CRR exam the Senior Credit Risk Reviewer in addition to individual credit file reviews will be asked to lead a team of reviewers conduct reviews of credit portfolios and write reports of conclusions and recommendations resulting from the reviews. The Senior Credit Risk Reviewer will be an advisor to junior team members. Reviewer will also participate in special projects and complete ongoing credit risk intelligence activities and related training.

Responsibilities

• Demonstrate expert credit skills including the ability to independently assign risk ratings based on Keys internal policies and risk rating methodologies as well as external regulatory guidance.
• Demonstrate ability to accurately assess clients creditworthiness and complete independent financial analysis.
• Exhibit ability to work independently towards goals seeking information and collaborating as necessary.
• Consistently demonstrate expert 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 and executive 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 expert leadership skills by leading or providing oversight on complex reviews or adhoc projects including managing staff and delivering feedback on performance.
• Exhibit an expert understanding of lending products and business industry and regulatory concepts and be considered a Subject Matter Expert (SME) in a specific lending discipline small number of products or lines of business.
• Identify opportunities for continuous improvement and implementation of strategies to drive team and/or division change; demonstrate ability to draw insight from risk intelligence and regulatory bulletins.
• Develop relationships with internal bank clients; thoughtfully engage in networking with those on your team and across Key to build lasting relationships.
• Demonstrate the ability to perform in an organizational culture of respect and personal accountability regarding Diversity Equity and Inclusion.
• 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 Keys clients and Key.

Education Qualifications

• Bachelors Degree (preferred)
• Masters Degree (preferred)

Experience Qualifications

• 7 years of relevant credit experience (required)
• Prior credit risk review experience (preferred)

Licenses and Certifications

• Credit Risk Certification (CRC) (preferred)
• Moodys Analytics Certificate in Commercial Credit (preferred)

Tactical Skills

• Relationship building demonstrated ability to build sand maintain strong relationships with individual across all lines of defense.
• Communication skills expert communication skills to ensure perspectives are clearly and timely conveyed.
• Influence demonstrated ability to tactfully present strong arguments and affect change within the organization.
• Decision making strength in making challenging decisions based on information available to ensure processes can move forward
• Coaching and mentoring teammates strong ability to develop teammates through ongoing coaching and performance feedback.
• Presentation skills ability to present to various types of audiences and appropriately tailor the depth and focus of the presentation.
• Change Management demonstrated competency to lead people through change with active and thoughtful communication.

Core Competencies

• All KeyBank employees are expected to demonstrate Keys 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.

Travel

• Occasional travel to include overnight stay.

COMPENSATION AND BENEFITS

Please click here for a list of benefits for which this position is eligible.

Key has implemented a rolebased Mobile by Design approach to our employee workspaces dedicating space to those whose roles require specific workspaces while providing flexible options for roles which are less dependent on assigned workspaces and can be performed effectively in a mobile environment. As a result this role may be Mobile or Homebased which means you may work primarily either at a home office or in a Key facility to perform your job duties.