Sr. Relationship Manager, Commercial
About The Position
The Senior Relationship Manager, Commercial serves as the primary contact and Financial Advisor for commercial clients and leads business development and relationship management in a targeted geographic area. The role partners with bankers and product specialists to develop, deliver, and implement solutions tailored to client needs. It drives financial performance through profitable cash management and deposit growth, quality credit, and strategic advisory services. The position provides trusted financial advice, develops and manages client relationships, pursues prospects and referral networks, identifies cross-sell opportunities, and coordinates credit and non-credit solutions. It leads credit processes and portfolio management, supports accurate risk assessment, mentors junior Relationship Managers, and contributes to commercial team planning and performance. The role also complies with KeyBank policies and procedures and is expected to act ethically and in clients’ and Key’s best interests. The position is based at 601 California Street, San Francisco, California. Key prioritizes in-office presence while offering flexible options when a role can be performed effectively in a mobile environment. Occasional travel, including overnight stays, may be required. The role may require driving to multiple locations in one day and a valid driver’s license.
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.
- Ability to prioritize client needs, goals, and success and deliver tailored, responsive service.
- Ability to make ethical decisions that balance client needs with regulatory and organizational responsibilities.
- Accountability for decisions, actions, outcomes, and results.
- Ability to anticipate trends and align client strategies with long-term business goals and market opportunities.
- Clear, persuasive communication with senior executives to influence decisions and build trust.
- Understanding of the financial, operational, and strategic drivers of commercial organizations.
- Effective use of customer relationship management systems to track interactions, manage pipelines, and develop relationships.
- Ability to engage clients to uncover needs and deliver customized financial solutions that create sustainable value.
- Deep knowledge of commercial banking products and services and their application to commercial client needs.
- 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 decision-making.
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 proven understanding of balancing business development with asset quality.
- Involvement in relevant boards and/or industry organizations.
Responsibilities
- Serve as the trusted Financial Advisor and Business Partner to clients, acting as the Commercial Banking expert and primary contact for most client-related matters.
- Drive a focused growth strategy and business development by maintaining a holistic understanding of clients’ and prospects’ businesses and industries.
- Manage strategic client issues such as capital raising, regulatory compliance, ownership transition planning, mergers and acquisitions, and revenue cycle management.
- Educate clients about Key’s expertise and capabilities in cash management, derivatives, equipment finance, and other core product areas.
- 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 functional, technical, 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 to customer requests that cannot be handled personally.
- Lead credit processes and maintain asset quality, including underwriting, structuring, portfolio management, and preparation of Asset Quality Reports and Risk Rating models.
- Mentor junior Relationship Managers and contribute to team capabilities and performance.
- Lead strategic client reviews and provide proactive insights and recommendations aligned with client goals.
- Contribute to commercial team strategic planning and initiatives.
- Maximize assigned portfolio profitability by effectively selling the value Key provides.
- Perform other duties as assigned; duties, responsibilities, and activities may change or be newly assigned.
- Comply with KeyBank policies and procedures, act professionally and ethically, avoid conflicts of interest, and act in the best interests of clients and Key.
Benefits
- Eligible for incentive compensation, which may include production, commission, and/or discretionary incentives.
- Eligible for a list of benefits provided via the employer’s benefits information page.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
