Commercial Relationship Manager II

Fifth Third Bank • Dublin, OH

5d • Onsite

About The Position

The Commercial Relationship Manager II is responsible for profitable business development and monitoring the quality of an extensive portfolio of companies with annual gross sales of at least $10 million, with greater emphasis on customers with revenues of at least $20 million. The role leads and coordinates with One Bank Partners to create and implement relationship strategies for assigned clients and prospects. It requires substantial knowledge of credit, commercial products, and financial statement analysis to offer banking solutions such as loans, treasury management, and capital markets services. The position involves working with high-revenue, complex relationships, soliciting client participation in public debt issuance, and participating in community activities.

The role is accountable for managing risk in accordance with Bank policies and risk appetite, while supporting positive customer and colleague experiences. It works with internal product partners and credit teams to develop tailored client strategies, build and deepen relationships, assess credit requests, and monitor customer financial performance and related risks. The position has no formal supervisory responsibilities but is expected to provide guidance to Commercial RM I and II.

The position is based in a normal office environment with little exposure to dust, noise, or temperature extremes. Extended viewing of a CRT screen is required, and regional/local or other frequent travel may occur depending on assignment. The role is eligible for incentive compensation in addition to base salary. Fifth Third describes its benefits as supporting employees’ physical, financial, emotional, and social well-being.

Requirements

• Minimum of 6 years of Commercial Banking experience.
• Formalized commercial credit training or equivalent credit experience.
• Strong understanding of credit, commercial products, and financial statement analysis.
• Strong business acumen, including detailed analysis and understanding of financial statements and accounting principles.
• Thorough knowledge of Commercial, Treasury Management, and alternative lending and financing options.
• Ability to assess client needs, profitability drivers, and corporate and personal life-cycle needs to optimize financial solutions.
• Ability to build new and existing client business, increase revenue, and provide a positive client experience.
• Ability to identify and understand business issues, problems, and opportunities and develop relevant options to achieve desired outcomes.
• Strong verbal and written communication skills, including face-to-face negotiation experience.
• Ability to communicate effectively with groups and adapt communication to the audience.
• Ability to build strong internal partnerships and provide holistic solutions for clients’ business and personal financial goals.
• Ability to work in a team-based sales environment.
• Proficiency in Microsoft Office software.
• Regional/local travel; frequent travel may be required depending on assignment.

Nice To Haves

• Bachelor’s or master’s degree in Business, such as Business Administration, Finance, or Accounting, or equivalent work experience.
• At least 5 years of sales experience.
• Underwriting experience.
• A proven track record of partnering with investment bankers to provide strategic and capital markets advice.
• Familiarity with prospecting and CRM sales tools.

Responsibilities

• Identify and develop profitable new lead-left client relationships using centers of influence, existing clients, and referral sources.
• Develop and implement a business plan to achieve financial goals and qualitative measures.
• Partner with Fifth Third colleagues to deepen existing client relationships and acquire prospective relationships.
• Attend community and industry forums, conferences, and meetings to expand networks and referral sources and develop knowledge of trends, practices, services, and competitors.
• Work with product partners, including Treasury Management, Capital Markets, and Wealth Management, to analyze needs and develop tailored relationship strategies.
• Manage customer relationships to maximize opportunities for the Bank while considering risk and customer needs.
• Meet regularly with customers to strengthen trusted-advisor relationships and ensure business needs are met.
• Use consultative selling skills, commercial playbook principles, and call-reporting plans to enhance the client experience.
• Use the Bank’s CRM system to track client activity, prepare call reports, and manage the pipeline.
• Analyze financial information to determine which credit requests to pursue.
• Monitor customer financial performance, condition, and industry trends to assess credit exposure and ensure appropriate risk and pricing.
• Partner with Portfolio Managers and Credit Officers on credit requests and follow portfolio-management guidelines, including those related to delinquencies, documentation, financial-statement tracking exceptions, and matured loans.
• Provide guidance to Commercial RM I and II.
• Participate in community activities.

Benefits

• Comprehensive benefits programs supporting physical, financial, emotional, and social well-being.
• Eligibility to participate in an incentive compensation plan, with payments based on company, line-of-business, and/or individual performance.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed