**Location:** 4224 Ridge Lea Road - Amherst, New York 14226 Underwriters analyze all types of credit information on both existing and prospective customers. They are responsible for evaluating the creditworthiness of borrowers to render a credit decision. The function typically includes new money requests, renewals and amendments. **Essential Job Functions** + Evaluate applicant's credit needs, financial strength and other background information to determine if request for credit is an acceptable risk. + Assess industry risk, quality of management, market position and overall business climate to estimate future loan repayment capacity of business. + Interpret cash flow, balance sheet, income statements, and tax returns (both personal and business) to determine credit worthiness. + Use credit bureau data, credit scoring models, financial statements, and relevant additional financial information to determine the degree of risk involved in extending credit. + Effectively communicate credit decisions to team members and internal clients (branches, relationship managers, etc.). + Comply with Key Bank internal policies, applicable laws and regulations. **Required Qualifications** + Bachelor's Degree with a preferred focus on business course work, or equivalent work experience. + Prior experience with commercial/small business lending is a plus + Familiarity with, and understanding of, traditional and automated commercial credit underwriting methodologies and their use is a plus + Commitment to Key core values: Teamwork, Respect, Accountability, Integrity and Leadership. COMPENSATION AND BENEFITS This position is eligible to earn a base salary in the range of $60,000 to $70,000 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 (http://www.key.com/kco/images/Key\_Benefit\_Eligibility\_Chart.pdf) for a list of benefits for which this position is eligible. Job Posting Expiration Date: 10/03/2025 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, disability or veteran status. 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. KeyBank is an organization collectively committed to helping you unlock your potential and discover what truly drives you. Working here means sharing our purpose to help our clients, colleagues, and communities thrive. You’ll find genuinely supportive teammates, a flexible, inclusive work environment, challenging projects, accessible leaders, and opportunities to grow in your position and your career. For 200 years, Key has opened doors in our communities. Let us open one for you.