**Location:** For Those Who Work At Home - Various, Ohio 44144 **Job Summary** Credit Risk Review (CRR) is considered part of the third line of defense. CRR is accountable to the organization's Chief Risk Review 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 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 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 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 CRR exam, the Credit Risk Reviewer, 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 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 advanced credit skills including the ability to independently assign risk ratings based on Key’s internal policies and risk rating methodologies, as well as external regulatory guidance. + 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 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 Key’s clients and Key. **Education Qualifications** + Bachelor's Degree (preferred) + Master's Degree (preferred) **Experience Qualifications** + 5+ years of relevant credit experience (required) + Prior credit risk review experience () **Licenses and Certifications** + Credit Risk Certification (CRC) (preferred) + Moody’s Analytics Certificate in Commercial Credit (CICC) (preferred) **Tactical Skills** + Relationship building - Ability to build and maintain strong relationships with individual across all lines of defense. + Communication skills - Excellent communication skills to ensure perspectives are clearly and timely conveyed. + 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 to help them grow and advance in their careers. + Presentation skills – ability to present to various types of audiences and appropriately tailor the depth and focus of the presentation. **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. **Travel** + Occasional travel to include overnight stay. Key has implemented a role-based 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 home based, which means you may work either at a home office or in a Key facility to perform your job duties. COMPENSATION AND BENEFITS This position is eligible to earn a base salary in the range of $94,000.00 to $110,000.00 annually depending on location and job-related factors such as level of experience. Compensation for this role also includes eligibility for short-term incentive compensation and deferred incentive compensation subject to individual and company performance. Please click here (https://www.key.com/kco/images/Key\_Benefit\_Eligibility\_Chart.pdf) for a list of benefits for which this position is eligible. Key has implemented a role-based 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 Home-based, which means you may work primarily either at a home office or in a Key facility to perform your job duties. Job Posting Expiration Date: 01/30/2025 KeyCorp is an Equal Opportunity and Affirmative Action Employer committed to building a diverse, equitable and inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or other protected category. 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 Key is an Equal Opportunity Employer, including disability/veterans. Headquartered in Cleveland, Ohio, KeyCorp (Key) is one of the nation’s largest financial services companies. Key provides investment management, retail and commercial banking, consumer finance and investment banking products to individuals and companies throughout the United States and, for certain businesses, internationally. At Key we’ve made a promise to our clients that they will always have a champion in us. To deliver on that promise, we’re committed to building a team of engaged employees who do the right thing for our clients and help them achieve their financial goals each and every day.