Sr. Relationship Manager, Commercial

KeyBank•Cincinnati, OH

4d•$128,000 - $268,000•Hybrid

About The Position

The Senior Relationship Manager, Commercial serves as the primary contact and Financial Advisor for commercial clients, leading business development and relationship management in a targeted geographic area. The role collaborates with bankers and product partners to develop and deliver solutions that address client needs, directs implementation of proposed plans, and drives financial performance through profitable cash management and deposit growth, quality credit, and strategic advisory services. The position serves as the commercial banking expert for clients, develops a focused growth strategy, manages strategic business issues, and explains the bank’s product capabilities. It leads credit processes and portfolio management, coordinates cross-functional teams, mentors junior Relationship Managers, and contributes to the commercial team’s strategic planning. The role is based at 301 East Fourth Street in Cincinnati, Ohio. Key prioritizes in-office presence while offering flexible options when work can be performed effectively in a mobile environment.

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.
Demonstrated ability to prioritize client needs and provide tailored, responsive service.
Ability to make ethical decisions while balancing client needs with regulatory and organizational responsibilities.
Ability to take ownership of decisions, actions, and outcomes and deliver results.
Ability to anticipate trends and align client strategies with long-term goals and market opportunities.
Clear, persuasive communication skills with senior executives, internally and externally.
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 engage clients to uncover needs and deliver customized financial solutions that create measurable, sustainable value.
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 and leading indicators to support decisions and protect client and bank interests.
Ability to travel occasionally, including overnight stays.
May need to drive to multiple locations in a day; a valid driver’s license and ability to operate a motor vehicle are required.
Ability to meet the stated physical demands: prolonged sitting; communicating face to face or by phone; frequent PC/laptop use; and occasional lifting, pushing, or pulling of computer or backpack bags up to 10 pounds.

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 working on relationship management teams, with an understanding of balancing business development and asset quality.
Involvement in relevant boards and/or industry organizations.

Responsibilities

Serve as clients’ Trusted Financial Advisor and Business Partner, acting as the commercial banking expert and primary contact for most client-related matters.
Drive focused growth and business development by developing a clear understanding of clients’ and prospects’ businesses and industries.
Manage strategic issues such as capital raising, regulatory compliance, ownership transition planning, mergers and acquisitions, and revenue cycle management.
Educate clients about the bank’s capabilities in areas including cash management, derivatives, and equipment finance.
Prospect actively by identifying, qualifying, and contacting prospects, and develop a Center of Influence referral network.
Identify cross-sell opportunities and collaborate with Community Bankers and Product Specialists to structure, coordinate, and sponsor credit and non-credit products and services.
Improve sales and credit expertise, share knowledge with team members, and partner with Credit Officers as the first-level sponsor for credit decisions.
Assemble and lead cross-functional teams to respond promptly to customer requests that the Relationship Manager cannot address personally.
Lead credit processes and protect asset quality through underwriting, structuring, and portfolio management; prepare Asset Quality Reports and Risk Rating models.
Mentor junior Relationship Managers and contribute to team capability and performance development.
Lead strategic client reviews and proactively provide insights and recommendations aligned with client goals.
Contribute to commercial team strategic planning and initiatives.
Maximize assigned portfolio profitability by effectively selling the value the bank provides.
Perform other assigned duties, which may change or be added at any time with or without notice.
Comply with KeyBank policies and procedures, act professionally and ethically, avoid conflicts of interest, and act in the best interests of clients and Key.