Associate Relationship Manager

Location:For Those Who Work At Home, CaliforniaJob SummaryThe Associate Relationship Manger 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 and Sales Management.Essential FunctionsWork 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.Work with relationship managers to create proposals and pitch materials for prospects and clients.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.Work with RMs and underwriters to prepare preflight materials (new Deal Proposal PDF and/or Excel Deal Proposal), focusing on accuracy of loan request detailsParticipate in commercial loan requests, including tasks such as, completing Return on Equity (ROE) analysis, collecting, and reviewing financial statement spreads.Participates in credit processes and participate in resolving portfolio activities/issues ensuring sound asset quality, including underwriting, structuring and portfolio management activities;Participate in the preparation of all Asset Quality Reports and new Risk Rating models to assure accurate risk assessment of assigned portfolioParticipate 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 to validate credit quality and integrity of the credit processParticipate 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.Participate in Know Your Customer activities such as RSQ, Beneficial Ownership and Fraud Prevention activities.Review legal documentation to ensure that terms are appropriate and consistent with credit approval.Ensure proper approvals for all required waivers, amendments, and extensions are completed and filed appropriately.Work with support partners to perform system maintenance to ensure proper portfolio assignmentsParticipate in early identification and proactive management of deteriorating credits and other problem situationsParticipate 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.Develop a business development strategy through creating and maintaining a clear and holistic understanding of the client's or prospect's business/industry; analyzes data and relevant client business and industryDevelop a Provides and educates the client on Key's capabilities and knowledge in key product areas (cash management, derivatives, equipment finance, etc.)Develop a prospecting effort, including identification, qualification and calling; develops active Center of Influence (COI) referral networkImprove functional/technical sales and credit expertise continuously and transfers this knowledge to team members; partners effectivel

Created: 2026-04-04