Commercial Relationship Manager

KeyBank; Dayton (OH); Hybrid; USD 112,000 - 210,000; Full time

Job summary

KeyBank is seeking a Relationship Manager and Financial Advisor in Dayton to acquire and grow client relationships by offering a full range of banking products and solutions. The role emphasizes strong risk management practices and serving as a trusted advisor to both new and existing clients.

You will lead credit processes, coordinate cross-functional teams, and identify cross-sell opportunities while ensuring adherence to profitability standards and regulatory requirements.

Qualifications

• Bachelor's Degree in accounting, finance, or related field (preferred).
• Minimum of 5 years established business development skills and extensive knowledge of bank products; strong credit, analytical and financial acumen.
• Experience as a trusted advisor and ability to identify cross-sell opportunities.

Responsibilities

• Serves as the Trusted Financial Advisor and Commercial Banking client expert; primary contact for client matters.
• Drives growth by understanding client business and industry; analyzes data and client needs.
• Educates clients on KeyBank capabilities in cash management, derivatives, equipment finance, etc.
• Maintains active prospecting; builds COI referral network.
• Leads cross-functional teams to respond to client requests and coordinates with experts.
• Supports credit processes and contributes to asset quality; assists with risk ratings and portfolio management.

Skills

Business development

Credit analysis

Risk management

Relationship management

Client advisory

Strategic thinking

Education

Bachelor's Degree

Bachelor's Degree or equivalent in accounting, finance, or related field (preferred)

Tools

Credit underwriting

Job description

Location

130 W 2nd Street, Suite 1950, Dayton Ohio

Job Summary

Serves as the Relationship Manager and Financial Advisor to clients, introducing a full range of core banking products, differentiated capabilities and comprehensive solutions to meet client needs and exceed customer service expectations. This role is focused on acquiring new relationships as well as managing and growing existing relationships. Our bankers are expected to demonstrate strong risk management acumen including credit, operational and compliance risks to act as first line of defense in adhering to KeyBank's profitability standards and moderate risk profile.

Responsibilities

• Serves as the Trusted Financial Advisor and Business Partner to clients, and functions as the Commercial Banking client "expert" and the primary contact for most client related matters
• Drives a focused growth and business development effort by creating and maintaining a clear and holistic understanding of the client's or prospect's business/industry; analyzes data and relevant client business and industry
• Provides and educates the client on Key's capabilities and knowledge in key product areas (cash management, derivatives, equipment finance, etc.)
• Maintains active prospecting effort, including identification, qualification and calling; develops active Center of Influence (COI) referral network
• Assembles cross- functional team to quickly respond to customer requests when not able to address requests personally. Knows when and how to bring in teams of experts, as well as identify cross-sell opportunities
• Improves 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
• 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
• 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

Education Qualifications

• Bachelor's Degree
• Bachelor's Degree or equivalent experience in accounting, finance, or related field (preferred)

Experience Qualifications

• Minimum of 5 years Established business development skills. Extensive knowledge of bank products. Proven outstanding credit skills, analytical skills and financial acumen. (required)

Tactical Skills

• Trusted Advisor: Ability to build trust by taking a client centric approach
• Strategic Thinking: Deploys a long-term, innovative approach to problem solving and decision making with clients to build the relationship and generate solutions
• Technical Expertise: Demonstrates expertise within defined industry or geography (vertical/sub vertical) and within product set
• Revenue Driver: Exhibits a relentless focus on creating and driving revenue growth and generating results
• Enterprise Mindset: Demonstrates a broad enterprise perspective and delivers the bank Effective Sales Approach: Uses structured sales methodologies, principles and practices without losing sight of the client and environment
• Risk Management: Understands Key’s risk culture and effectively manages risk/reward trade-offs

Core Competencies

All KeyBank employees are expected to demonstrate Key’s Values and sustain proficiency in identified Leadership Competencies.

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.

Compensation and Benefits

This position is eligible to earn a base salary in the range of $112,000.00 - $210,000.00 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.

Job Posting Expiration Date: 11/30/2026

Equal Opportunity Employer

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 [e-mail].

#LI-Hybrid

KeyBank is an organization collectively committed to helping you unlock your potential and discover what truly drives you. Working here means sharing our purpose to help our clients, colleagues, and communities thrive. You’ll find genuinely supportive teammates, a flexible, inclusive work environment, challenging projects, accessible leaders, and opportunities to grow in your position and your career. For 200 years, Key has opened doors in our communities. Let us open one for you.