Commercial Banking Associate

Commercial Banking Associate

Job Description:

In the branch team, the Commercial Banking Associate plays a crucial role by concentrating on alluring new customers, intensifying ongoing relationships, and assisting clients in establishing faith in accomplishing their financial targets. This specific job requires a mindset that prioritizes the client, a strong motivation for sales, outstanding communication skills, and the capacity to collaborate effectively with colleagues. KeyBank values aiding clients in advancing their financial goals and delivering banking services that showcase an unwavering commitment to their satisfaction.

Responsibilities:

• Exemplifies a deep-rooted dedication to building strong relationships with clients and teammates, acknowledging the profound effects that these connections can have on their daily experiences and overall satisfaction, both personally and professionally.
• Actively listen to client conversations for cues on how to support their financial wellness and deliver personalized recommendations to help them achieve their financial goals.
• Maintains a regular record of meeting individual targets and expected outcomes.
• Setting up personal and business banking arrangements, involving services like consumer checking accounts, small business banking facilities, diverse deposit offerings, home equity lines of credit, unsecured loan options, and certificate of deposit investments.
• Establishing strong alliances with branch peers and business collaborators to bolster client procurement and foster stronger ties with current customers, while efficiently overseeing internal and external points of influence.
• Adhering to operational, risk, security, and audit procedures and policies, including the thorough documentation of client interactions.
• Assistance with client transactions on the Teller line is part of supporting branch operations.
• Be involved in and from time to time assist in morning briefings and evening recaps.
• Responsible for executing other assigned tasks; duties, roles, and/or tasks might vary, or new ones might be delegated at any time, with or without prior communication.
• Demonstrates commitment to upholding all KeyBank policies and procedures, which involve conducting oneself professionally, adhering to ethical business standards, avoiding any conflicts of interest, and prioritizing the welfare of Key and its clients.

Education Qualifications:

• Business experience equivalent to a high school diploma or GED is mandatory
• Bachelor's Degree (preferred)

Experience Qualifications:

• Minimum of twelve months of experience in developing new and existing customer relationships, meeting sales targets, and creating referral channels is a vital requirement. Having a background in sales is deemed more significant than familiarity with financial services for this position at KeyBank. KeyBank offers comprehensive tools and training to support the role, however, they are particularly interested in candidates who demonstrate strong relationship-building skills, a curious disposition, and exceptional conversational abilities to drive successful interactions. (necessary)
• Credit reports provide a detailed summary of an individual's credit history, including information on borrowing habits, payment history, and credit utilization. Lenders rely on credit reports to assess a consumer's creditworthiness and determine the risk of lending to them
• Basic knowledge of sales and service approaches when interacting with clients, covering tele-advisory, external outreach, prospect exploration, and fostering connections. (necessitated)
• Experienced in interacting confidently with small business clientele, resolving objections, and seeking relevant details through purposeful questioning to offer aid
• Verified experience in leveraging business partners and impactful influencers is a must for this role, given the need to influence partners such as Key Investment Services, Mortgage, and Business Banking sales teams significantly. (compelled)
• A prerequisite is the ability to use PCs proficiently, which includes knowledge of MS Windows and Office software like Word and Excel
• A requisite expertise in digital technology (mobile usage, applications, and internet navigation) alongside the ability to educate customers about digital systems and functionalities within Key is vital

Physical Demands:

• Prolonged standing
• Frequent manipulation of items using hands
• The capacity to communicate with precision in direct interactions and over the phone
• Occasional crouching and lifting objects close to the floor
• Frequent forward reaching
• Frequently carrying items weighing 10 pounds; on occasions lifting objects up to 30 pounds.

Tactical Skills:

• Possesses a deep understanding of the customer's accounts and banking interactions and exercises sound judgment when dealing with clients and processing transactions
• Evidenced capability in reaching sales and referral milestones through arranged appointments and insightful interactions that lead to suggestions supporting clients' financial wellness aims, utilizing lead lists from the system, walk-in clients, and established business contacts
• Having a dedicated approach to tasks and upholding a high standard of moral principles
• Exceptional skill in handling and prioritizing tasks within a set timeframe

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