Emerging Middle Market RM III

Fifth Third Bank • South Buffalo Township, PA

3d • Onsite

About The Position

The Emerging Middle Market RM III is responsible for profitable business development and monitoring the quality of an extensive portfolio of companies with annual gross sales of at least $10 million, with greater emphasis on customers with revenues of at least $20 million. The role leads and coordinates with One Bank partners to create and implement relationship strategies for assigned clients and prospects. It requires strong knowledge of credit, commercial products, and financial statement analysis to provide banking solutions—including loans, treasury management, and capital markets—tailored to customer needs. The position works with high-revenue, complex relationships, solicits participation in public debt issuance for clients, and actively participates in community activities.

The role is accountable for managing risk within the Bank's risk appetite by identifying, assessing, managing, monitoring, and reporting risks, following policies and procedures, and supporting positive customer and colleague experiences. It has no formal supervisory responsibilities but is expected to provide guidance to Commercial RM I and II.

The position operates in a normal office environment with little exposure to dust, noise, or temperature extremes. It involves extended viewing of a CRT screen and regional or local travel, which may be frequent depending on assignment. The role is located in Columbia, South Carolina.

Requirements

• At least 6 years of Commercial Banking experience.
• Formal commercial credit training or equivalent credit experience.
• Bachelor's or Master's degree in Business, such as Business Administration, Finance, or Accounting, or equivalent work experience is preferred.
• Strong knowledge of credit, commercial products, and financial statement analysis.
• 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 in light of corporate and personal life cycles.
• Ability to communicate effectively to groups, adapt detail to the audience, and capture and maintain audience attention.
• Ability to build strong internal partnerships to provide holistic solutions for clients' business and personal financial goals.
• 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.
• Ability to work in a team-based sales environment.
• Proficiency in Microsoft Office software.
• Ability to travel regionally or locally.

Nice To Haves

• At least 5 years of sales experience.
• Underwriting experience.
• Proven track record of partnering with investment bankers to provide strategic and capital-markets advice.
• Proven ability to build new and existing client business, increase revenue, and provide a positive client experience.
• Familiarity with prospecting and CRM sales tools.

Responsibilities

• Independently identify and develop profitable new “lead left” client relationships through centers of influence, existing clients, and referral sources.
• Develop and implement a business plan to achieve financial goals and qualitative measures.
• Work with Fifth Third internal 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 stay informed about trends, practices, services, and the competitive landscape.
• Partner with product teams, including Treasury Management, Capital Markets, and Wealth Management, to analyze and develop tailored relationship strategies for clients and prospects.
• Manage customer relationships to maximize opportunities for the Bank while accounting for Bank risk and customer needs.
• Meet regularly with customers to strengthen trusted-advisor relationships and ensure their business needs are being met.
• Use consultative selling 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.
• Analyze financial information to determine which credit requests should be pursued.
• Monitor customer financial performance, condition, and industry trends to ensure credit exposure is acceptable and appropriately priced.
• Partner with Portfolio Managers and Credit Officers on credit requests and follow Portfolio Management guidelines, including those related to delinquencies, documentation, financial-statement tracking exceptions, and matured loans.
• Solicit client participation in public debt issuance.
• Participate actively in community activities.
• Provide guidance to Commercial RM I and II.

Benefits

• Comprehensive benefits programs supporting physical, financial, emotional, and social well-being.
• Base salary and eligibility to participate in an incentive compensation plan, with payment based on company, line-of-business, and/or individual performance.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior