Emerging Middle Market RM III

Fifth Third Bank • Columbia, SC

23h • Onsite

About The Position

The Emerging Middle Market RM III is responsible for profitable business development and monitoring the quality of an extensive existing 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, using expertise in credit, commercial products, and financial statement analysis to provide solutions such as loans, treasury management, and capital markets services. The position involves working with high-revenue, complex relationships and soliciting client participation in public debt issuance. The incumbent is also expected to participate actively in community activities.

The role is accountable for managing risk within the Bank’s risk appetite, following policies and procedures, and acting in ways that support positive experiences for customers and colleagues. It has no formal supervisory responsibilities but is expected to provide guidance to Commercial RM I and II colleagues.

The position is based in a normal office environment in Columbia, South Carolina, with regional or local travel and potentially frequent travel depending on assignment. Work includes extended viewing of a CRT screen. The role is eligible for incentive compensation in addition to base salary. Fifth Third describes its benefits as comprehensive and designed to support employees’ physical, financial, emotional, and social well-being; specific benefits are not itemized in the posting.

Requirements

• At least 6 years of commercial banking experience.
• Formalized commercial credit training or equivalent credit experience.
• Strong understanding of credit, commercial products, and financial statement analysis, including accounting principles.
• Thorough knowledge of commercial banking, Treasury Management, and alternative lending and financing options.
• Ability to assess client needs, profitability drivers, and corporate and personal life-cycle considerations to optimize financial solutions.
• Proven ability to build new and existing client business, increase revenue, and provide a positive client experience.
• Strong business acumen and ability to analyze and review financial statements.
• Ability to build strong internal partnerships to provide comprehensive solutions for clients’ business and personal financial goals.
• Ability to identify and understand business issues, problems, and opportunities and develop relevant options to achieve desired outcomes.
• Strong verbal and written communication skills, including experience in face-to-face negotiations and the ability to communicate effectively with groups.
• Ability to work in a team-based sales environment.
• Proficiency in Microsoft Office software.
• Willingness to travel regionally or 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; preferred.
• At least 5 years of sales experience; preferred.
• Underwriting experience; preferred.
• Track record of partnering with investment bankers to provide strategic and capital markets advice.
• 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.
• Partner with Fifth Third internal teams to deepen existing relationships and acquire new prospective relationships.
• Attend community and industry forums, conferences, and meetings to expand networks and referral sources and build knowledge of trends, practices, services, and the competitive landscape.
• Work with Treasury Management, Capital Markets, Wealth Management, and other product partners 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 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, document call reports, and manage the pipeline.
• Analyze financial information to determine which credit requests to pursue.
• Monitor customer financial performance, condition, and industry trends to assess credit exposure and appropriate pricing.
• Partner with Portfolio Managers and Credit Officers on credit requests and follow established portfolio management guidelines.
• Solicit client participation in public debt issuance.
• Participate actively in community activities.
• Provide guidance to Commercial RM I and II colleagues.
• Identify, assess, manage, monitor, and report risks while following Bank policies and procedures.

Benefits

• Comprehensive benefits designed to support employees’ physical, financial, emotional, and social well-being.
• Incentive compensation plan eligibility, with payments based on company, line-of-business, and/or individual performance.

What This Job Offers

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