Associate Relationship Manager

Location: For Those Who Work At Home, California

Job Summary -----------

The Associate Relationship Manager functions as part of a relationship team working alongside leadership and senior bankers providing banking solutions and strategic advice for both clients and prospects. Specifically, the objective of the Associate Relationship Manager is to provide support while learning and showing mastery over the various skills and responsibilities needed to serve as a relationship banker.

Associate Relationship Managers deepen and expand their skills in:

• Credit
• Relationship Management
• Portfolio Management
• Sales Management

Essential Functions -------------------

### Work with Relationship Managers and Underwriters

• Work closely with the relationship managers, and underwriters to identify and respond to client requirements as a member of the deal team
• Lead and/or participate in due diligence meetings for in-depth understanding of clients' business, management teams and industry sector

### Create Proposals and Pitch Materials

• Work with relationship managers to create proposals and pitch materials for prospects and clients

### Review Loan Requests

• Review loan requests to determine and collect required items needed for loan approval and upload required financial information as part of the loan approval process

### Prepare Preflight Materials

• Work with RMs and underwriters to prepare preflight materials (new Deal Proposal PDF and/or Excel Deal Proposal), focusing on accuracy of loan request details

### Participate in Commercial Loan Requests

• Participate in commercial loan requests, including tasks such as, completing Return on Equity (ROE) analysis, collecting, and reviewing financial statement spreads

### Participate in Credit Processes

• Participates in credit processes and participate in resolving portfolio activities/issues ensuring sound asset quality, including underwriting, structuring and portfolio management activities

### Participate in Asset Quality Reports and Risk Rating Models

• Participate in the preparation of all Asset Quality Reports and new Risk Rating models to assure accurate risk assessment of assigned portfolio

### Participate in Annual Portfolio Data Integrity Reviews

• Participate in Annual Portfolio data integrity reviews to ensure systems of record (e.g., Salesforce, nCino, CLS, LIQ) accurately reflect risk ratings, loan booking data and any other related borrower information

### Work with Bank Examiners and Internal Credit Reviewers

• Work with bank examiners and internal credit reviewers to validate credit quality and integrity of the credit process

### Proactive Portfolio Management

• Participate in a proactive approach to ongoing management of the portfolio to include collection of financial statements; ensuring loans/lines are renewed timely; changes in client structure or wherewithal are properly communicated to risk partners and internal risk findings are properly remediated and managed

### Know Your Customer Activities

• Participate in Know Your Customer activities such as RSQ, Beneficial Ownership and Fraud Prevention activities

### Review Legal Documentation

• Review legal documentation to ensure that terms are appropriate and consistent with credit approval

### Ensure Proper Approvals

• Ensure proper approvals for all required waivers, amendments, and extensions are completed and filed appropriately

### System Maintenance

• Work with support partners to perform system maintenance to ensure proper portfolio assignments

### Early Identification and Proactive Management of Deteriorating Credits

• Participate in early identification and proactive management of deteriorating credits and other problem situations

### Manage Client Relationships

• Participate in managing client relationships in assigned portfolio serving as the main point of contact and owner of the relationships including handling any loan requests, documentation updates or other required portfolio management activities

### Business Development Strategy

• Develop a business development strategy through creating and maintaining a clear and holistic understanding of the clients or prospects business/industry; analyzes data and relevant client business and industry

### Educate Clients on Keys Capabilities

• Develop a Provides and educates the client on Keys capabilities and knowledge in key product areas (cash management, derivatives, equipment finance, etc.)

### Prospecting Effort

• Develop a prospecting effort, including identification, qualification and calling; develops active Center of Influence (COI) referral network

### Improve Sales and Credit Expertise

• Improve functional/technical sales and credit expertise continuously and transfers this knowledge to team members; partners effectively with Credit Officers, as the first level sponsor for credit decisions

### Develop Proficiency in Sales Management Tools

• Develop proficiency in Sales Management tools such as SalesPro, Salesforce, Co-Pilot, RelPRO

### Promote KeyBank Support Products and Services

• Gain expertise in and promote the comprehensive range of KeyBank Support products and services, including Key Private Bank and Key at Work

### Other Duties

• Performs other duties as necessary to support the goals and objectives of the relationship teams

Education ----------

• Bachelors Degree in Business, Finance, or related field (preferred)
• OR equivalent experience (required)

Work Experience --------------

• 2+ years of commercial banking experience (e.g., credit structuring & analysis, sales functions, risk assessment, knowledge of commercial banking products, services & technology) accounting (required)
• 2+ years working in Credit Structuring & Financial Analysis (required)
• Ability to manage workflow and complex commercial banking deals (required)
• Ability to manage stress and competing priorities (required)
• 2+ years working in Commercial Middle Market Credit Structuring & Financial Analysis (preferred)
• 2+ years Commercial Middle Market Underwriting and Financial Analysis (preferred)

Skills ------

• Formal credit training strongly preferred
• Proficiency in Microsoft Word, Excel, PowerPoint
• Applicable systems may include - Key proprietary systems e.g. Salesforce, nCino, SharePoint
• Ability to meet timelines and perform multiple tasks
• The ability to select the right activities to work on from a range of competing priorities and stands by decisions in the face of conflict or unexpected outcomes
• Demonstrates the ability to examine a specific problem and understand the perspective of stakeholders; uses fact-finding techniques to identify and document specific problems
• Demonstrates experience in participating in productive collaborative processes that help solve business problems and meet business goals
• Possesses the ability to adapt listening and facilitation style to others' communication styles and uses various approaches appropriately and effectively
• Participates in business tasks to get things done in own business unit and communicates key considerations for business decision-making processes
• Implements or manages risk management for own business unit and documents key steps of the risk management process and associated procedures

Core Competencies -----------------

• All KeyBank employees are expected to demonstrate Key's Values and abide by Key's Code of Conduct

Physical Demands --------------

• General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.

Travel ------

• Occasional travel to include overnight stay

Driving Requirements -------------------

• Ability to occasionally operate a motor vehicle with a valid drivers license

Work Location Category ----------------------

• Hybrid (Sales)

COMPENSATION AND BENEFITS -------------------------

• This position is eligible to earn a base salary in the range of $80,000.00 - $150,000.00 annually. Placement within the pay range may differ based upon various factors, including but not limited to skills, experience and geographic location. Compensation for this role also includes eligibility for incentive compensation which may include production, commission, and/or discretionary incentives.

Please click here for a list of benefits for which this position is eligible.

Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.

Job Posting Expiration Date: 04/17/2026

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, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law.

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.