Commercial Relationship Manager

Fifth Third Bank•Kansas City, MO

1d•Onsite

About The Position

Responsible for profitable business development as well as monitoring the quality of an extensive existing portfolio of companies with annual gross sales of at least $10 million, with more emphasis on customers with higher revenues (i.e., at least $20 million). The role involves leading and coordinating with One Bank Partners to create and implement a relationship strategy for assigned clients and prospects. This position requires a strong understanding of credit, commercial products, and financial statement analysis to offer beneficial banking solutions (e.g., loans, treasury management, capital markets) based on clients' and prospects' needs. 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 and actively participate in community activities. The role also entails responsibility and accountability for risk by openly exchanging ideas and opinions, elevating concerns, and following policies and procedures, ensuring actions and behaviors drive a positive customer experience while operating within the Bank's risk appetite.

Requirements

Bachelor's or Master's degree in Business (e.g. Business Administration, Finance, Accounting) or equivalent work experience.
Minimum of 6 years Commercial Banking experience.
Formalized commercial credit training or equivalent credit experience required.
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.

Nice To Haves

Bachelor's or Master's degree in Business (e.g. Business Administration, Finance, Accounting) preferred.
at least 5 years of sales experience preferred.
Underwriting experience preferred.
familiarity with prospecting and CRM sales tools preferred.

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 in order to broaden relationship networks, referral sources and continually deepen knowledge of trends, practices, services and the competitive landscape.
Work with product partners (Treasury Mgmt., Capital Markets, and Wealth Mgmt etc.) analyze, evaluate and develop a tailored relationship strategy for each client or prospect.
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).