Commercial Middle Market Leadership Program

Fifth Third Bank•Cincinnati, OH

1d•$48,100 - $96,200•Hybrid

About The Position

Performs a variety of assigned duties and special projects within the defined framework of a management-training program involving hands-on rotations through key departments supporting Middle Market for assigned region. Becomes familiar with the business practices, operations, and procedures in each department rotation, acquiring the knowledge, skills, and experience required for assuming a permanent role (sales or credit) in a Commercial department. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

Requirements

Four-year undergraduate degree in Finance or Accounting
Relevant internships and co-op program experience
Outstanding verbal and written communication skills
Strong analytical skills
Ability to work in a team environment
Ability to multi-task and to be flexible
Must be proficient with Microsoft office products, such as Word, Excel, PowerPoint
Ability to demonstrate initiative

Responsibilities

Complete underwriting process with some revision / oversight (by the end of the 1st rotation)
Assess credit risk using financial statement analysis, cash flow analysis, industry analysis, collateral analysis, guarantor analysis and loan structure analysis
Update financial covenants as needed
Run Probability of Default (PD) model with oversight
Partner with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical tasks as needed
Understand and evaluate completed spreads to determine necessary edits
Identify and recommend preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight
Create client presentation materials using PowerPoint, Excel, Word
Utilize Dealpoint Profitability Analyzer to assess the client relationship and determine RAROC value.
Assist in identifying and qualifying prospects with Relationship Manager
Partner with Relationship Managers, performing projects or analytical tasks as needed
Draft initial deal screen / opportunity memos.
Build an extensive network of contacts within Commercial and supporting divisions.
Attend formal training classes, complete all assigned eLearning courses and participate in extensive self-learning.
Perform other duties as assigned