KeyBank

Relationship Manager III, KAF/KRL

KeyBank • $96K — $181K *
US-AnywhereRemote in United States
Finance & Insurance
5 - 7 years of experience
2 weeks ago
Job Overview by Ladders

Qualifications

  • Bachelor's Degree or equivalent experience required.
  • 5+ years experience as a Relationship Manager with commercial clients.
  • Proven automotive industry experience is a must.
  • Strong knowledge of commercial lending products related to the automotive sector.
  • Demonstrated ability to analyze financial statements and credit reports effectively.

Responsibilities

  • Develop and manage wholesale commercial credit portfolios for automotive dealers.
  • Serve as a trusted advisor and industry expert for auto dealer clients.
  • Lead business development efforts to understand dealer strategy and competition.
  • Implement strategies to retain and expand existing dealer relationships.
  • Collaborate with internal teams to cross-sell bank products effectively.

Benefits

  • Flexible work options including hybrid and in-office arrangements.
  • Opportunity for incentive compensation based on performance.
  • Eligibility for comprehensive health and wellness benefits.
  • Support for work-life balance through organized programs and initiatives.
Full Job Description
Location:
For Those Who Work At Home, New York

Job Summary
The Dealer Relationship Manager III is responsible for developing, managing, and expanding a large portfolio of wholesale commercial credit products for automotive dealers, serving as a trusted advisor and industry expert. This role leads in business development, credit structuring, and performs risk management efforts, while collaborating with internal partners to deliver tailored financial solutions, ensure compliance, and drive long-term client growth and profitability.

Essential Functions
  • Develop, expand and manage portfolios of wholesale commercial credit products to automotive dealers.
  • Serves as trusted advisor to auto dealer clients and prospects functioning as the dealer finance industry expert.
  • Possesses firm understanding of industry-specific commercial lending products, including floor plan, real estate and construction financing, working capital term loans, acquisition financing, and equipment loans and leases.
  • In conjunction with their manager, leads business development efforts for assigned auto dealer prospect base by developing a clear, concise understanding of their business strategy, markets and competition.
  • Develops and implements strategies to retain and grow existing dealer relationships.
  • Partners with all product specialists and Portfolio Managers to cross sell bank products and services consistent with the overarching relationship strategy.
  • Responsible for completion of all documentation required to assess relationship profitability and document relationship contact activity.
  • In conjunction with their manager, leads and participates in the credit process to insure accurate and thorough underwriting, complete financial analysis, loan structuring and risk management.
  • Adheres to and manages client Service Level Agreements (SLAs).
  • Maintains strong asset quality, through gathering and periodic review of dealer financial information, including audit reports and monthly dealer financial statements.
  • Maintains strong functional/technical sales and credit expertise. Shares this knowledge with team members.
  • Assesses dealership performance and maintains a dialogue with dealership management regarding the same.
  • Effectively communicating with Credit and Risk Management around issues including Risk Rating modifications.
  • Creation and execution of risk management strategy for all assigned pass rated relationships in conjunction with their Manager, Credit and Risk Management.
  • Working with credit partners or outside legal counsel, to identify and complete all legal and bank documents needed to fully comply with loan approval.
  • In conjunction with appropriate support staff ensures all obligors are in full compliance with the terms and conditions of legal and bank agreements.
  • Taking appropriate action to communicate non-compliance to Manager, Credit and Risk Management staff.
  • Ensuring necessary steps are taken to address noncompliance with loan obligors.
  • Most functions will be completed with some oversight from the individual's National Sales Manager.
  • Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice
  • Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key's clients and Key.

Education
  • Bachelor's Degree (preferred)
  • OR equivalent experience (required)

Work Experience
  • 5+ years as a Relationship Manager working with commercial clients (required)
  • Automotive industry experience (required)

Skills
  • Evaluating the creditworthiness of automotive dealers and clients by analyzing financial statements, credit reports, and risk factors to support sound lending decisions.
  • Demonstrating a strong focus on achieving performance targets, driving revenue growth, and delivering measurable outcomes.
  • Working effectively with internal teams-including credit, operations, and sales-to deliver seamless service and achieve shared goals.
  • Establishing and nurturing long-term, trust-based relationships with dealer clients and internal stakeholders.
  • Overseeing a portfolio of dealer clients by monitoring performance, managing risk, and identifying opportunities for growth and retention.
  • Driving revenue by identifying cross-sell opportunities, expanding product usage, and deepening client engagement.
  • Identifying, assessing, and mitigating financial and operational risks within the dealer portfolio to protect the bank's interests.
  • Understanding the automotive industry, market dynamics, and client business models to deliver relevant financial solutions.
  • Supporting or managing budgeting processes related to client portfolios, revenue targets, or departmental planning.
  • Developing and executing long-term plans that align client needs with the bank's growth objectives and market opportunities.
  • Providing guidance on investment-related products or services, where applicable, in alignment with client goals and regulatory standards.

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
  • May need to drive to multiple locations in a single day; ability to operate a motor vehicle with a valid driver's license required.

Work Location Category
  • Hybrid (Sales)


COMPENSATION AND BENEFITS
This position is eligible to earn a base salary in the range of $96,000.00 - $181,000.00 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: 07/31/2026

About KeyBank

Shockingly, nearly 9-in-10 people who get their real estate license in America fail. We're solving that problem; And doing it while increasing profitability for the brokerage. Through technology, business automation, and a team approach we have created a system where agents focus solely on working with clients and closing deals.

KeyBank Careers

Joining KeyBank means stepping into a world of professional growth and innovation, where job opportunities abound in an environment that values leadership, diversity, and forward-thinking. As a member of our team, you will be part of a company that's committed to empowering your career journey while contributing to the financial wellness of our communities.

Work You'll Do

At KeyBank, we're not just in the business of banking; we're in the business of helping individuals and communities thrive. By joining our team, you will have the chance to be part of a culture that celebrates diversity and fosters leadership and professional development. Whether you're looking for a position in customer service, IT, finance, or management, KeyBank offers a variety of roles suited to your skills and career aspirations.

Innovate and Lead

KeyBank stands at the intersection of finance and innovation. Our employees are encouraged to lead with creativity and integrity, driving solutions that make a real difference. With a focus on digital transformation and sustainable growth, your work at KeyBank will challenge the status quo and encourage you to explore new ideas.

Grow Your Career

Career growth at KeyBank is not just a possibility—it's a priority. We are dedicated to your professional development through comprehensive training programs, leadership workshops, and continuous learning opportunities. Our commitment to your growth is matched by our dedication to inclusion, ensuring all voices are heard and valued.

Be Part of a Great Team

Our team at KeyBank is our strongest asset. We believe in using our collective skills to foster an environment of innovation and collaboration. Join us and connect with colleagues who are just as passionate and driven as you are. Through teamwork, we achieve exceptional results and push the boundaries of what's possible in the banking sector.

Internship and Employment Opportunities

For those starting their careers, KeyBank offers robust internship and employment opportunities that provide a solid foundation in the financial industry. Interns at KeyBank gain hands-on experience, beneficial networking connections, and insights into our day-to-day operations, setting the stage for a successful career.

Benefits and Culture

KeyBank is committed to offering benefits that enhance your life and well-being. From healthcare to retirement plans, and flexible working conditions, we ensure our employees are well taken care of. More than just benefits, our company culture is built on respect, integrity, and accountability—values that guide us in making a positive impact on our clients and communities.

Join Our Team

Explore the job opportunities at KeyBank and find the right fit for your skills and interests. We are continuously hiring and looking for individuals who are curious, innovative, and ready to make a difference. Prepare your resume, ace your interview, and join a team that's dedicated to your success and to transforming the landscape of banking.

Stay Connected

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Search KeyBank Jobs

Ready to take the next step in your career? Search open positions at KeyBank that match your skills and interests. We look for passionate, creative, and solution-driven team players who are ready to grow and succeed in a dynamic and supportive environment.

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Join KeyBank and be part of a company where your career is as important to us as it is to you. Together, let's unlock opportunities for growth, innovation, and meaningful impact in the financial world.
Learn more about KeyBank
Size
17,110 employees
Market Cap
$16 billion
Industry
Finance & Insurance
Net Income
$1.3 billion
Founded
1825
5 Year Trend
+5.6%
NASDAQ
KEY
* Ladders Estimates

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