KGF Municipal/Non-profit Credit Analyst

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ABOUT KEY: Cleveland-based KeyCorp is one of the nation's largest bank-based financial services companies, with assets of approximately $92.9 billion. Key companies provide investment management, retail and commercial banking, consumer finance, and investment banking products and services to individuals and companies throughout the United States and, for certain businesses, internationally. The company's businesses deliver their products and services through branches and offices; a network of 1,335 ATMs; telephone banking centers; and a website, Key.com®, that provides account access and financial products 24 hours a day. ABOUT THE BUSINESS: Key Enterprise Risk Management provides leadership on risk management strategies and initiatives for credit, market, compliance and operational risk, as well as portfolio management, quantitative analytics and asset recovery activities. ABOUT THE JOB:The public sector junior credit associate will be responsible for decisioning, negotiating and monitoring tax-exempt and taxable transactions in the municipal and non-profit markets. Transaction sizes will vary from roughly $10,000 to $500,000. This person will act as a trusted advisor as it relates to tax-exempt financing for assigned vendors, bank clients and direct municipal, 501(c)3 relationships.ESSENTIAL JOB FUNCTIONS:Responsible for the overall credit decisioning and evaluation of risk associated with smaller public sector transactions and relationships in accordance with KeyCorp, Key Public Sector and Key Equipment Finance Credit PoliciesPreparation of underwriting documentation with emphasis on structure, transaction risk, documentation risk, non-appropriation risk, collateral evaluation, and financial riskProactively manage existing portfolios and assist with resolving problem accountsUpon completion of thorough research, analyst to establish and monitor exposure, prepare financial spreadsheets, assign an internal risk rating, and decision equipment leasesDevelop capable and proficient structures that balance the vendor's/customer's needs with that of policy and operational requirementsRemain current on industry trendsAdhere to corporate bank and regulatory compliance requirementsAttend vendor and or client meetings as needed to enhance relationshipsREQUIRED JOB REQUIREMENTS:Bachelor's degree in one of the following: Business, Finance, Accounting, Economics or 1 year of equipment leasing and/or municipal finance experience Must be highly analytical with outstanding attention to detail and follow-upExceptional written and verbal communication skills with the ability to clearly and concisely articulate rating recommendations and decision rationalization to internal and external clientsBalance quantitative analysis with qualitative factors, which often includes researching local socioeconomics, demographics, political philosophies, and critical evaluation of the essentiality of the equipment, the using agency and the projectAbility to work under high pressure and under tight time constraints, while managing dynamic prioritiesAbility to work well in a collaborative environment and complete assignments independentlyAbility to work fluidly with Microsoft Word Ability to anticipate forthcoming issues or opportunitiesStrong Excel skills (reporting/equations)Strong online research abilityPREFERRED JOB QUALIFICATIONS:Experience in the state and local finance market, including non-appropriation riskUnderwriting and/or financial analysis experienceWorking knowledge of Moody's, Standard & Poors, Bloomberg, EMMA, Guidestar, and D&BFamiliarity with GAAP accounting, a balance sheet, and an income statement using cash basis, accrual basis or modified accrual basis of accountingFamiliarity with GASB FLSA STATUS: Exempt KeyCorp is an Equal Opportunity and Affirmative Action Employer Min/Fem/Vet/Disabled