Commercial RM II

Fifth Third Bank • Atlanta, GA

5d

About The Position

The Commercial RM II is responsible for profitable business development and monitoring the quality of an existing portfolio of companies with annual gross sales of at least $10 million in a specific geographic area. The role leads and coordinates with One Bank partners to create and implement relationship strategies for assigned clients and prospects. It requires a strong understanding of commercial credit, commercial products, and financial statement analysis to provide banking solutions such as loans, treasury management, and capital markets services. The position handles larger clients and more sophisticated credits and is expected to participate actively in community activities.

The role is accountable for managing risk, following policies and procedures, and supporting positive experiences for customers and colleagues. It achieves results while operating within the Bank's risk appetite by identifying, assessing, managing, monitoring, and reporting risks.

The position is based in an office environment in Atlanta, Georgia, with regional or local travel and potentially frequent travel depending on assignment. The role is eligible for incentive compensation in addition to base salary. Fifth Third describes its total rewards as including comprehensive benefits supporting employees' physical, financial, emotional, and social well-being.

Requirements

• At least 4 years of Commercial Banking experience, preferably including at least 3 years in a sales role.
• Formalized commercial credit training or equivalent credit experience.
• Ability to structure moderately complex financial situations.
• 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, Treasury Management, and alternative lending and financing options.
• Ability to assess client needs, profitability drivers, and corporate and personal life cycles to optimize financial solutions.
• Ability to build strong One Bank internal partnerships and provide holistic solutions for clients' business and personal financial goals.
• Ability to communicate effectively to groups, adjust detail to the audience, and capture and hold audience attention.
• Track record of identifying and understanding business issues, problems, and opportunities and creating relevant options to achieve desired outcomes.
• Strong verbal and written communication skills, particularly experience in face-to-face negotiations.
• Proven ability to work in a team-based sales environment.
• Proficiency in Microsoft Office software.
• Ability to travel regionally or locally.

Nice To Haves

• Bachelor's or Master's degree in Business, such as Business Administration, Finance, or Accounting, or equivalent work experience.
• At least 3 years of experience in a sales role.
• Familiarity with prospecting and CRM sales tools.

Responsibilities

• Prospect for clients independently using referral sources, existing clients, and centers of influence.
• Develop and implement a business plan to achieve financial goals and qualitative measurements.
• Work with Fifth Third One Bank partners to deepen existing relationships and acquire prospective relationships.
• Attend community and industry forums, conferences, and meetings to broaden relationship networks and referral sources and deepen 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 taking Bank risk and customer needs into account.
• Meet with customers regularly to strengthen trusted-advisor relationships and ensure their business needs are met.
• Use consultative sales skills, commercial playbook principles, and call reporting plans to enhance the client experience.
• Use the Bank's CRM system for client activity tracking, call reports, and pipeline management.
• Partner with Credit on credit requests and follow established Portfolio Management guidelines.
• Analyze and interpret financial information and determine appropriate questions to evaluate credit requests.
• Meet credit standards and metrics for asset quality, credit administration, RAROC, renewals, financial statement documents, covenant data integrity, matured notes, and document exceptions.
• Exchange ideas and opinions openly, elevate concerns, and follow policies and procedures to manage risk.
• Participate actively in community activities.

Benefits

• Comprehensive benefits programs supporting employees' 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