Sr. Relationship Manager, Commercial

KeyBank•San Francisco, CA

10d•$128,000 - $268,000•Hybrid

About The Position

The Senior Relationship Manager, Commercial serves as the primary contact and financial advisor for commercial clients in a targeted geographic area. The role leads business development and relationship management, collaborates with bankers and product partners to develop and deliver client solutions, and directs implementation of proposed plans. It drives financial performance through profitable cash management and deposit growth, quality credit, and strategic advisory services. The position serves as a trusted financial advisor and commercial banking expert, develops a holistic understanding of client and prospect businesses, and advises on strategic matters such as capital raising, regulatory compliance, ownership transitions, mergers and acquisitions, and revenue cycle management. It identifies and qualifies prospects, builds referral networks, coordinates cross-selling and product delivery, and leads credit underwriting, structuring, and portfolio management. The role also mentors junior Relationship Managers, leads strategic client reviews, contributes to commercial team planning, and maximizes portfolio profitability. The position is based at 601 California Street in San Francisco. Key prioritizes in-office presence while providing flexible options when work can be performed effectively in a mobile environment. Occasional travel, including overnight stays, may be required. The role may involve driving to multiple locations in a day and requires a valid driver’s license. The stated base salary range is $128,000–$268,000 annually, with eligibility for incentive compensation. Benefits eligibility is referenced, but specific benefits are not listed in the posting.

Requirements

Bachelor’s degree in accounting, finance, or a related field, or equivalent experience.
At least 7 years of financial services experience.
At least 1 year of formal commercial credit training and experience at a bank or financial institution.
Strong track record of achieving performance targets.
Client-focused judgment and service, ethical decision-making, accountability, and ability to anticipate trends and align client strategies with long-term goals.
Clear, persuasive communication with senior executives and ability to build trust and influence decisions.
Understanding of the financial, operational, and strategic drivers of commercial organizations.
Ability to use customer relationship management systems to track interactions, manage pipelines, and support relationship development.
Ability to uncover client needs and deliver customized financial solutions that create measurable, sustainable value.
Deep knowledge of commercial banking products and services and their application to commercial clients.
Ability to design and negotiate complex financial solutions consistent with client needs and the bank’s risk and profitability standards.
Ability to evaluate risks, identify leading indicators, and support informed decisions that protect client and bank interests.
Ability to communicate face to face and by phone, use a PC or laptop frequently, and occasionally lift, push, or pull bags weighing up to 10 pounds.
Ability to travel occasionally, including overnight, and potentially drive to multiple locations in one day; valid driver’s license required.
Demonstrate Key’s Values and abide by Key’s Code of Conduct.

Nice To Haves

Master’s degree.
At least 5 years of high-performing experience providing financial expertise, counsel, and customized solutions to commercial clients in middle- to upper-market revenue brackets.
Experience on relationship management teams and a demonstrated understanding of balancing business development with asset quality.
Involvement in relevant boards and/or industry organizations.

Responsibilities

Serve as the trusted financial advisor, business partner, commercial banking expert, and primary contact for clients.
Lead business development and relationship management in a targeted geographic area, including focused growth strategy and active prospecting.
Develop a holistic understanding of clients’ and prospects’ businesses and industries.
Manage client strategic issues, including capital raising, regulatory compliance, ownership transition planning, mergers and acquisitions, and revenue cycle management.
Educate clients on Key’s expertise and capabilities in cash management, derivatives, equipment finance, and other product areas.
Build and maintain a Center of Influence referral network.
Identify cross-sell opportunities and collaborate with bankers and product specialists to structure, coordinate, and sponsor credit and non-credit products and services.
Improve functional, technical sales, and credit expertise, transfer knowledge to team members, and partner with Credit Officers as the first-level sponsor for credit decisions.
Assemble and lead cross-functional teams to respond to customer requests that cannot be addressed personally.
Lead credit processes and ensure asset quality through underwriting, structuring, and portfolio management; prepare Asset Quality Reports and Risk Rating models.
Mentor junior Relationship Managers and contribute to team capabilities and performance.
Lead strategic client reviews and provide insights and recommendations aligned with client goals.
Contribute to strategic planning and commercial team initiatives.
Maximize assigned portfolio profitability by effectively selling the value Key provides.
Perform other assigned duties and comply with KeyBank policies and procedures, including ethical conduct and acting in clients’ and Key’s best interests.