Commercial RM IV

Fifth Third Bank•Cleveland, OH

1d•Onsite

About The Position

Responsible for profitable business development and monitoring the quality of an existing portfolio of companies with annual gross sales of at least $10 Million within a specific geographic area. 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 commercial 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 possess a deeper skill set and competencies to engage with larger clients and more sophisticated credits. Active participation in community activities is expected. The role also entails responsibility and accountability for risk by openly exchanging ideas and opinions, elevating concerns, and adhering to defined policies and procedures. The incumbent is accountable for always prioritizing customers and colleagues, ensuring actions and behaviors drive a positive customer experience, and consistently identifying, assessing, managing, monitoring, and reporting risks of all types while operating within the Bank's risk appetite.

Requirements

Minimum of 4 years Commercial Banking experience, preferably at least 3 years in a sales role.
Formalized commercial credit training or equivalent credit experience required.
Ability to structure for moderately complex financial situations.
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.
Ability to build strong "One Bank" internal partnerships to provide holistic solutions for the clients business and personal financial goals.
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.
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 desire red 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.
Regional /local travel.

Nice To Haves

Bachelor's or Master’s degree in Business (e.g. Business Administration, Finance, Accounting) or equivalent work experience preferred.
Familiarity with prospecting and CRM sales tools preferred.

Responsibilities

Prospect for clients independently by utilizing referral sources, existing clients and centers of influence.
Develop and implement business plan to achieve financial goals and qualitative measurements.
Work closely with Fifth Third internals "One Bank" 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 Management., Capital Markets, and Wealth Management 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 sales skills, commercial playbook principles and call reporting plans to enhance client experience.
Utilize the Bank's Customer Relationship Management (CRM) system for client activity tracking, call reports and pipeline management.
Partner with Credit and on credit requests and adhere to established Portfolio Management guidelines.
Analyze and interpret financial information provided to determine the right questions to ask to decide on the credit request that should be pursued.
Achieve credit standards and metrics in regard to asset quality, credit administration (matured/renewals, financial statement documents, covenant data integrity, matured notes and document exception) and RAROC.