ABOUT THE JOB (JOB BRIEF): Serves as the account representative for assigned commercial clients. Builds a relationship with clients based upon knowledgeable advice that is aligned to the clients' business objectives and lifecycle. Continues to provide underwriting support for the team. Develops sales process skills and techniques in order to develop new business.
ESSENTIAL JOB FUNCTIONS: Develops focused strategies for retaining and growing existing clients. Provides the client with information in key product areas: cash management, derivatives, equipment finance, etc. Utilizes product knowledge to educate the client on Key's capabilities and identifies potential opportunities. Coordinates with product specialists and clients to make smart business decisions for the client and the bank. Assembles cross- functional team to quickly respond to customer requests when not able to address requests personally. Identifies cross- sell opportunities. Partners with Product Specialists to cross- sell credit and non- credit products/services, maximizing profitability of assigned portfolio. Solves internal obstacles and functions as the go- to person for the client, under tutelage of Relationship Manager. Acts as client advocate while adhering to sound business practices. Analyzes management, product, competitive, economic and other non- financial data to maintain understanding of the client's business and industry. Partners effectively with Credit Officers, as the first level sponsor for credit decisions and to provide underwriting support for the team. Leads and participates in assessing risk and all credit processes which ensure sound asset quality, including underwriting, structuring and portfolio management activities on the preparation of all Asset Quality Reports and new Risk Rating models to assure accurate risk assessment of assigned portfolio. Resolves out of formula situations on borrowing base facilities. Prepares client proposals and reviews, identifies opportunities for presenting unsolicited solutions and advice. Manages account relationships as assigned. Functions as the primary back- up for Relationship Manager(s). Acts as liaison with Service Officers and Monitoring Officer to assure compliance with operating and loan agreements.
REQUIRED QUALIFICATIONS: Bachelor's Degree or equivalent experience in accounting, finance or related field. Minimum 3 - 5 years of financial services related experience. Excellent client relationship skills and superior partnering skills. Deep knowledge of bank products. Demonstrated sound credit, analytical skills and financial acumen. Established excellent written and verbal communication skills. Ability to use applicable equipment, which may include: PC, Microsoft Office and various Key proprietary systems e.g. Desktop, etc.
KeyCorp's roots trace back 190 years to Albany, New York. Headquartered in Cleveland, Ohio, Key is one of the nation's largest bank-based financial services companies, with assets of approximately $134.5 billion at March 31, 2017. Key provides deposit, lending, cash management, insurance, and investment services to individuals and businesses in 15 states under the name KeyBank National Association through a network of more than 1,200 branches and more than 1,500 ATMs. Key also provides a broad range of sophisticated corporate and investment banking products, such as merger and acquisition advice, public and private debt and equity, syndications, and derivatives to middle market companies in selected industries throughout the United States under the KeyBanc Capital Markets trade name. KeyBank is Member FDIC.