Emerging Middle Market Relationship Manager

Fifth Third Bank • Santa Cruz, CA

2d • $96,500 - $207,500

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 Relationship Manager leads and coordinates with One Bank partners to create and implement relationship strategies for assigned clients and prospects. The role 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 tailored to client needs. The incumbent calls on larger clients and more sophisticated credits and is expected to participate actively in community activities.

The position is accountable for managing risk by openly exchanging ideas and concerns and following Bank policies and procedures. It is also responsible for achieving results within the Bank's risk appetite through identifying, assessing, managing, monitoring, and reporting risks, while supporting positive experiences for customers and colleagues.

The role is based in Santa Cruz, California. It involves a normal office environment, extended viewing of a CRT screen, regional/local travel, and potentially frequent travel depending on assignment. The stated annual base pay range is $96,500–$207,500, with eligibility for incentive compensation based on company, line-of-business, and/or individual performance. Fifth Third describes its benefits programs as supporting employees' and families' physical, financial, emotional, and social well-being, but does not enumerate specific benefits in this posting.

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 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 support clients' business and personal financial goals.
• Ability to communicate effectively to 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 face-to-face negotiation experience.
• Proven ability to work in a team-based sales environment.
• Proficiency in all Microsoft Office software.
• Ability to travel regionally/locally; 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 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 new 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.
• Collaborate 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 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 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 identify appropriate questions to assess credit requests.
• Meet credit standards and metrics relating to asset quality, credit administration, and RAROC.

Benefits

• Comprehensive benefits programs designed to support employees' and families' physical, financial, emotional, and social well-being.
• Incentive compensation plan eligibility, with payment 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