Commercial Relationship Manager III

Fifth Third Bank • Houston, TX

1d • Onsite

About The Position

The Commercial Relationship Manager III 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 higher-revenue customers. The role leads and coordinates with One Bank Partners to create and implement relationship strategies for clients and prospects. It requires extensive knowledge and experience with complex, high-revenue relationships, along with strong credit, commercial products, and financial statement analysis expertise to recommend banking solutions such as loans, treasury management, and capital markets services. The role is expected to solicit client participation in public debt issuance and actively participate in community activities.

The position is accountable for managing risk by exchanging ideas, raising concerns, and following policies and procedures. It is expected to act in the best interests of customers and colleagues, deliver a positive customer experience, and consistently identify, assess, manage, monitor, and report risks within the Bank's risk appetite.

The role works independently to develop new client relationships and achieve business goals, while partnering with internal teams and product specialists to deepen relationships and tailor strategies. It regularly meets customers, manages client activity and sales pipelines in the Bank's CRM system, evaluates financial information and credit requests, monitors customer and industry performance, and partners with Portfolio Managers and Credit Officers to follow portfolio management guidelines. There are no formal supervisory responsibilities, though the position is expected to guide Commercial Relationship Manager I and II employees.

The position is based in a normal office environment in Houston, Texas, with little exposure to dust, noise, or temperature extremes. Extended viewing of a CRT screen and regional/local travel are required; frequent travel may be needed depending on assignment. The role is eligible for incentive compensation in addition to base salary and offers comprehensive benefits supporting employees' physical, financial, emotional, and social well-being.

Requirements

• At least 6 years of Commercial Banking experience.
• Formal commercial credit training or equivalent credit experience.
• Bachelor's or Master's degree in Business, such as Business Administration, Finance, or Accounting, or equivalent work experience preferred.
• At least 5 years of sales experience preferred.
• Proven ability to build new and existing client business, increase revenue, and provide a positive client experience.
• Strong business acumen, including detailed analysis, financial statement review, and understanding of accounting principles.
• Thorough knowledge of Commercial Banking, Treasury Management, and alternative lending and financing options.
• Ability to assess client needs, profitability drivers, and corporate and personal life-cycle considerations to optimize financial solutions.
• Ability to communicate effectively to groups, adjust the level of detail to the audience, and capture and hold audience attention.
• Ability to build strong internal partnerships to provide comprehensive solutions for clients' business and personal financial goals.
• Ability to identify and understand business issues, problems, and opportunities and create relevant options to achieve desired outcomes.
• Strong verbal and written communication skills, particularly in face-to-face negotiations.
• Ability to work in a team-based sales environment.
• Proficiency in Microsoft Office software.
• Regional or local travel; frequent travel may be required depending on assignment.

Nice To Haves

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

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 meet financial goals and qualitative measures.
• Partner with internal Fifth Third teams to deepen existing relationships and acquire prospective clients.
• Attend community and industry forums, conferences, and meetings to expand networks and referral sources and build knowledge of trends, practices, services, and the competitive landscape.
• Work with product partners, including Treasury Management, Capital Markets, and Wealth Management, to analyze, evaluate, and develop tailored relationship strategies for clients and prospects.
• Manage customer relationships to maximize opportunities for the Bank while considering risk and customer needs.
• Meet customers regularly to strengthen trusted-advisor relationships and ensure their business needs are met.
• Use consultative selling skills, commercial playbook principles, and call-reporting plans to improve the client experience.
• Use the Bank's CRM system to track client activity, record 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 ensure credit exposure is acceptable and appropriately priced.
• Partner with Portfolio Managers and Credit Officers on credit requests and follow Portfolio Management guidelines, including those for delinquencies, documentation, financial statement tracking exceptions, and matured loans.
• Solicit client participation in public debt issuance.
• Participate actively in community activities.
• Provide guidance to Commercial Relationship Manager I and II employees.

Benefits

• Comprehensive benefits supporting employees' physical, financial, emotional, and social well-being.
• Incentive compensation plan eligibility, with payments based on company, line-of-business, and/or individual performance.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior