Commercial Relationship Manager

Fifth Third Bank • St. Louis, MO

17d • Hybrid

About The Position

Responsible for profitable business development and monitoring the quality of an extensive existing portfolio of companies with annual gross sales of at least $10 million, with an emphasis on customers with higher revenues (i.e., at least $20 million). This role requires a strong understanding of credit, commercial products, and financial statement analysis to offer beneficial banking solutions. The incumbent will have extensive knowledge and experience working with high revenue, more complex relationships and is expected to solicit participation in public debt issuance for clients. This role also involves active participation in community activities and accountability for risk management through open communication and adherence to policies and procedures. The goal is to consistently identify, assess, manage, monitor, and report risks of all types while operating within the Bank's risk appetite and ensuring a positive customer experience.

Requirements

• Bachelor's or Master's degree in Business (e.g. Business Administration, Finance, Accounting) or equivalent work experience preferred.
• Minimum of 6 years Commercial Banking experience.
• At least 5 years of sales experience preferred.
• Formalized commercial credit training or equivalent credit experience required.
• Underwriting experience preferred.
• Proven track record of partnership with investment bankers to provide strategic and capital market advice.
• Proven ability to build new and existing client business translating to increased revenue and provide a positive client experience.
• Strong business acumen, to include detailed analysis, review of financial statements and understanding of accounting principles.
• Thorough knowledge of Commercial, Treasury Management, and alternative lending and financing options.
• Ability to assess client needs, drivers of profitability, and corporate/personal life cycle optimizing financial solutions.
• Communicates with impact to a group -Understands the audience and adjust communication as is appropriate level of detail for the audience; captures and holds the audience attention.
• Ability to build strong internal partnerships to provide wholistic solutions for clients business and personal financial goals.
• Proven track record of identification and understanding of business issues, problems, and opportunities and the ability to create relevant options for addressing problems/opportunities to achieve desired outcomes.
• Demonstrates strong verbal and written communication skills, with particular emphasis on experience in face-to-face negotiations.
• Proven ability to work in a team-based sales environment.
• Must be proficient in all Microsoft Office software; familiarity with prospecting and CRM sales tools preferred.
• Regional /local travel.

Responsibilities

• Work independently to identify and develop profitable new "lead left" client relationships by leveraging centers of influence, existing clients, & referral sources.
• Develop and implement a business plan to achieve financial goals and qualitative measures.
• Work closely with Fifth Third internal partners to deepen existing relationships and acquire new prospective relationships.
• Attend community and/or specific industry forums, conferences and/or meetings to broaden relationship networks, referral sources and continually deepen knowledge of trends, practices, services and the competitive landscape.
• Analyze, evaluate and develop a tailored relationship strategy for each client or prospect with product partners (Treasury Mgmt., Capital Markets, and Wealth Mgmt etc.).
• Ensure that customer relationships are managed to maximize the opportunity for the bank, while taking into account Bank risk and customer needs.
• Meet with customers on a regular basis to enhance the trusted advisor relationship and ensure business needs are being met.
• Utilize consultative sells skills, commercial playbook principals and call reporting plans to enhance the client experience.
• Utilize the Bank's Customer Relationship Management (CRM) system for client activity tracking, call reports and pipeline management.
• Analyze financial information provided to determine the credit request that should be pursued.
• Monitor, on an ongoing basis, information concerning customer financial performance, condition, and industry trends to determine that any credit exposure is at an acceptable risk, and priced accordingly.
• Partner with Portfolio Managers and Credit Officers on credit requests and adhere to established Portfolio Management guidelines (i.e., delinquencies, documentation preparation, financial statement tracking exceptions, matured loans).

Benefits

• Comprehensive benefits
• Differentiated compensation offerings
• Incentive compensation plan
• Extensive benefits programs designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being.

What This Job Offers

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