Emerging Middle Market Banker

Fifth Third Bank • Findlay, OH

4d • Onsite

About The Position

The Emerging Middle Market Banker 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 within 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 knowledge of commercial credit, commercial products, and financial statement analysis to provide banking solutions such as loans, treasury management, and capital markets services. The banker works with larger clients and more sophisticated credits and is expected to participate actively in community activities.

The role is accountable for managing risk by exchanging ideas and concerns, following bank policies and procedures, and identifying, assessing, managing, monitoring, and reporting risks within the Bank's risk appetite. It is also responsible for supporting positive customer and colleague experiences.

The position is based in Toledo, Ohio. Work takes place in a normal office environment, with extended viewing of a CRT screen and regional or local travel; frequent travel may be required depending on the assignment.

Requirements

• At least 4 years of Commercial Banking experience, preferably including at least 3 years in a sales role.
• Formal 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 banking, Treasury Management, and alternative lending and financing options.
• Ability to assess client needs and profitability drivers and optimize financial solutions over corporate and personal life cycles.
• 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.
• Proven ability to identify and understand business issues, problems, and opportunities and develop 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 Microsoft Office software.
• Ability to travel regionally or locally; frequent travel may be required depending on the assignment.
• Bachelor's or master's degree in Business, such as Business Administration, Finance, or Accounting, or equivalent work experience preferred.

Nice To Haves

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

Responsibilities

• Independently prospect 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 prospective relationships.
• Attend community and industry forums, conferences, and meetings to expand networks and referral sources and stay informed about 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.
• Manage customer relationships to maximize opportunities for the Bank while considering 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 enhance the client experience.
• Use the Bank's CRM system to track client activity, record call reports, and manage the pipeline.
• Partner with Credit on credit requests and follow established portfolio management guidelines.
• Analyze and interpret financial information and determine appropriate questions to assess credit requests.
• Meet credit standards and metrics for asset quality, credit administration, and RAROC, including requirements related to renewals, financial statements, covenant data, matured notes, and document exceptions.
• Participate in community activities.
• Identify, assess, manage, monitor, and report risks while following Bank policies and procedures.

Benefits

• Comprehensive benefits designed to support employees and their families, including 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