Credit Review Officer

Location:

For Those Who Work At Home, Ohio

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.

The Credit Review Officer 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 well-defined 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 up-to-date  working knowledge  of  credit review methodologies and regulatory expectations.  

During the course of a credit risk review, the Credit Review Officer, in addition to individual credit file reviews, will be asked to lead a team of reviewers, conduct reviews of credit portfolios, provide appropriate review and challenge, and write reports of conclusions and recommendations resulting from the reviews. The Credit Review Officer will be an advisor to junior team members. The role is also inclusive of participation in special projects, and the completion of ongoing credit risk intelligence activities and related training.

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 highly preferred.

Relevant professional certification – preferred

o  ProSight/RMA Credit Risk Certification (CRC)

o  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.

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: 09/06/2026 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 [email protected].

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