Commercial Relationship Manager IV

Fifth Third Bank • Rosemont, IL

2d • $121,900 - $262,100 • Onsite

About The Position

The Commercial Relationship Manager IV is responsible for profitable business development and monitoring the quality of a large portfolio of companies with annual gross sales of at least $50 million and generally less than $500 million within a specific geographic area. The role develops trusted advisory relationships with senior executives and leads coordination with One Bank partners to create and implement relationship strategies for very large, complex clients and prospects. It uses knowledge of credit, commercial products, and financial statement analysis to deliver banking solutions such as loans, treasury management, and capital markets services. The role is also expected to solicit client participation in public debt issuance and participate actively in community activities. Some incumbents may specialize in an industry such as health care.

The position is accountable for risk management and for following bank policies and procedures while delivering a positive customer experience. It manages business development, portfolio strategy, client engagement, and credit assessment, collaborating with internal partners and clients’ trusted advisors. There are no formal supervisory responsibilities, although the role is expected to provide guidance to Commercial Relationship Managers I and II. Regional and local travel is required.

Requirements

• At least 10 years of Commercial Banking experience.
• Formalized 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.
• 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.
• Strong presentation skills in large and small group settings and the ability to communicate with impact, adjust detail to the audience, and hold the audience’s attention.
• Ability to identify and understand business issues, problems, and opportunities and create relevant options to achieve desired outcomes.
• Ability to explore options for prospective clients or existing buyers and centers of influence before advocating for a solution.
• Ability to influence client decisions regarding strategy and product solutions and engage in joint business planning with internal partners and buyers.
• Ability to determine tasks, resources, and project requirements and define roles and responsibilities.
• Ability to identify internal and external relationships that should be initiated or improved to achieve business goals and fulfill client needs.
• 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 and local travel required.

Nice To Haves

• Nine years of relationship account management experience preferred.
• Underwriting experience preferred.
• Proven track record of partnering with investment bankers to provide strategic and capital markets advice.
• Familiarity with prospecting and CRM sales tools preferred.

Responsibilities

• Independently identify and develop profitable new “lead left” client relationships using centers of influence, existing clients, and referral sources.
• Grow long-term profitable client relationships.
• Work with assigned Fifth Third partners to deepen existing relationships and acquire new high-value prospective relationships.
• Attend community and industry forums, conferences, and meetings to build relationship networks and referral sources and to stay informed about trends and the competitive landscape.
• Analyze, evaluate, and develop tailored relationship strategies for clients and prospects with One Bank partners, including Treasury Management, Capital Markets, and Wealth Management.
• Plan and conduct relationship strategy review meetings with internal business partners and clients’ trusted advisors, such as attorneys and accountants.
• Manage customer relationships to maximize opportunities for the bank while considering bank risk and customer needs.
• Meet with customers regularly to strengthen trusted-advisor relationships and ensure business needs are met.
• Lead and coordinate client-facing activities, including credit support, treasury management, and capital markets.
• Use the bank’s CRM system to track client activity, call reports, and pipeline management, and reinforce CRM use among assigned internal partners.
• Apply consultative selling skills, commercial playbook principles, and call reporting plans to enhance the client experience.
• Analyze customer financial information and determine questions relevant to credit requests.
• 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.
• Monitor customers’ financial performance, condition, and industry trends to assess whether credit exposure is acceptable and appropriately priced.
• Participate actively in community activities.
• Provide guidance to Commercial Relationship Managers I and II.
• Manage risks by identifying, assessing, monitoring, and reporting them, and by following bank policies and procedures.

Benefits

• Comprehensive benefits programs supporting employees’ and families’ physical, financial, emotional, and social well-being.
• 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: Senior