ABOUT THE JOB (JOB BRIEF):
Serves as the account executive for commercial clients and maintains a "trusted advisor" relationship with clients based on knowledgeable advice that is aligned to the clients' business objectives and lifecycle. Develops and grows new business and builds/maintains strong relationships with prospects. Drives financial performance through profitable revenue growth and quality credit.
ESSENTIAL JOB FUNCTIONS:
Serves as the Trusted Financial Advisor to clients, and functions as the Commercial Banking client "expert"and the go- to person for the client. Develops focused strategies for acquiring, retaining and growing select clients. Champions and leads all business development efforts for specific client and/or prospect base. Drives a focused business development effort by developing a clear and holistic understanding of the client's or prospect's business/industry. Analyzes data and topical information relevant to the client's business and industry. Viewed by the client as a business partner (financial strategist) and shares a skilled financial perspective. Prepares for client reviews, identifying opportunities for presenting unsolicited solutions/advice. Provides the client with deep knowledge in key product areas (cash management, derivatives, equipment finance, etc.) and utilizes a visionary approach to educate the client on Key's capabilities. Assembles and leads cross- functional team to quickly respond to customer requests. Utilizes teams of experts to creatively present the full breadth of the bank. Maintains active prospecting effort, including identification, qualification and calling. Consistently balances prospecting efforts and quality client maintenance responsibilities. Maximizes established Center of Influence referral network and continues to expand this network. Proactively prospects for new clients and consistently balances quality client maintenance responsibilities. Identifies cross- sell opportunities and partners with Product Specialists to structure, coordinate and sponsor credit and non- credit products/services. Anticipates and solves internal obstacles for the client with a sense of urgency and consistently finds the right way to get things done for the client. Acts as client advocate while adhering to sound business practices. Leads and drives a culture of creative and strategic thinking to arrive at multiple potential ways to achieve identified client goals. Maximizes profitability of assigned portfolio by effectively selling the value Key provides. Maintains superior functional/technical sales and credit expertise. Shares this knowledge with team members. Partners effectively with Credit Officers, as the first level sponsor for credit decisions. Leads and participates in credit processes and assumes ultimate accountability for all portfolio activities/issues ensuring sound asset quality, including underwriting, structuring and portfolio management activities. Directs 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
Bachelor's Degree or equivalent experience in accounting, finance, or related field. Minimum 7- 9 years of financial services related experience. Established business development skills. Experience working in relationship management teams with a proven understanding of the importance of balancing business development and asset quality. Extensive knowledge of bank products. Proven outstanding credit skills, analytical skills and financial acumen. Demonstrated excellent written and verbal communication skills. Confirmed superior client relationship and internal partnering skills. Ability to use applicable equipment, which may include: PC, Microsoft Office and various Key proprietary systems e.g. Desktop, etc.