Commercial RM II

Fifth Third Bank • Atlanta, GA

4d

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 offer banking solutions such as loans, treasury management, and capital markets services. The incumbent has the skills and competencies to serve larger clients and more sophisticated credits and is expected to participate actively in community activities.

The position is accountable for managing risk within the Bank's risk appetite, following policies and procedures, and acting in the best interests of customers and colleagues to support positive customer experiences. The role develops client relationships, pursues new business, collaborates with product and credit partners, and meets credit quality, portfolio management, and financial performance standards. The position is based in a normal office environment and may involve regional or local travel, including frequent travel depending on assignment.

Requirements

• At least 4 years of Commercial Banking experience.
• 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 and review of financial statements 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 cycles to optimize financial solutions.
• Ability to build strong internal One Bank partnerships to provide holistic solutions for clients' business and personal financial goals.
• Ability to communicate effectively to groups, adapt communication and level of detail to the audience, and capture and hold audience attention.
• 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.
• Proven ability to work in a team-based sales environment.
• Proficiency in all 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 independently for clients 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 new prospective relationships.
• Attend community and industry forums, conferences, and meetings to broaden networks and referral sources and stay informed about trends, practices, services, and the competitive landscape.
• Collaborate with Treasury Management, Capital Markets, Wealth Management, and other product partners to analyze, evaluate, and develop tailored relationship strategies.
• Manage customer relationships to maximize opportunities for the Bank while considering Bank risk and customer needs.
• Meet regularly with customers to strengthen trusted-advisor relationships and ensure their business needs are met.
• Use consultative sales skills, commercial playbook principles, and call reporting plans to improve 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 adhere to established portfolio management guidelines.
• Analyze and interpret financial information, asking appropriate questions to assess credit requests.
• Meet credit standards and metrics for asset quality, credit administration, RAROC, and related items including maturities and renewals, financial statement documents, covenant data integrity, matured notes, and document exceptions.
• Identify, assess, manage, monitor, and report risks while following Bank policies and procedures.

Benefits

• Comprehensive benefits programs designed to support employees' and their families' 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