Emerging Middle Market Commercial Relationship Manager

Fifth Third Bank • Sacramento, CA

5d • $82,100 - $172,500 • Onsite

About The Position

The Emerging Middle Market Commercial Relationship Manager 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 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 serves 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, elevating concerns, and following policies and procedures. It is also responsible for putting customers and colleagues first, supporting a positive customer experience, and identifying, assessing, managing, monitoring, and reporting risks while operating within the Bank's risk appetite.

The position is based in Sacramento, California. Work is performed in a normal office environment, with extended viewing of a CRT screen and regional or local travel; frequent travel may be required depending on 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 across 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 with groups, adapt 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.
• Regional or local travel; frequent travel may be required depending on assignment.

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 commercial banking sales 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.
• Partner with internal One Bank colleagues to deepen existing relationships and acquire prospective relationships.
• Attend community and industry forums, conferences, and meetings to expand networks and referral sources and stay current on 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 Bank risk and customer needs.
• Meet regularly with customers to strengthen trusted-advisor relationships and ensure 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, prepare 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 matured or renewed facilities, financial statement documents, covenant data integrity, matured notes, and document exceptions.
• Participate actively in community activities.

Benefits

• Comprehensive benefits designed to support employees' and families' physical, financial, emotional, and social well-being.
• Eligible 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