RCC Direct Lending Credit Manager I

Fifth Third Bank • Cincinnati, OH

1d • Onsite

About The Position

The RCC Direct Lending Credit Manager I manages Direct Lending and credit quality for senior underwriters II and III while supporting growth and profitability initiatives for the Regional Credit Center across multiple states, affiliates, and geographic regions. The role manages day-to-day underwriting credit functions—including up-sell, cross-sell, reporting, and final credit decisions—for assigned affiliates. It has direct responsibility for granting credit for real estate-secured and non-real-estate-secured lending and for developing and managing relationships between the Regional Credit Center and affiliate management.

The role is accountable for managing risk in accordance with the Bank’s policies and risk appetite, supporting a positive customer experience, and ensuring compliance with applicable state and federal requirements and Bancorp policies. It leads and develops a team of up to 20 non-exempt employees, overseeing performance, hiring, training, career development, and succession planning.

The position is based in Cincinnati, Ohio. It is performed in a normal office environment, includes extended viewing of a CRT screen, and requires 10% travel. The role is eligible for incentive compensation in addition to base salary and offers access to the company’s employee benefits programs.

Requirements

• Bachelor’s degree in Business or Finance, or equivalent work experience.
• At least 5 years of management experience in Consumer Lending, Banking, or Financial Services.
• At least 5 years of consumer credit experience.
• Ability to negotiate with others and build consensus.
• Ability to interact with all levels of management and external customers.
• Demonstrated leadership and project management skills.
• Strong interpersonal, written, and verbal communication skills.
• Strong presentation and public-speaking skills.
• Ability to manage priorities and tasks.
• Ability to work in a team environment.
• Proficiency with Microsoft Office, Word, Excel, and PowerPoint.
• SAFE Act registration through the Nationwide Mortgage Licensing System (NMLS) is required at the time of employment.

Responsibilities

• Manage the development, implementation, and monitoring of Regional Credit Center lending procedures and practices for underwriting, up-sell, cross-sell, reporting, final credit decisions, and compliance.
• Manage Direct Lending underwriting for assigned affiliates, meeting business objectives and ensuring compliance with state and federal laws and regulations and Bancorp policies.
• Manage production and operational efficiency while meeting Regional Credit Center credit and service quality standards.
• Manage cost of production per unit to meet revenue initiatives.
• Develop cooperative relationships with business partners across Mortgage, Retail, Affiliate Administration, Risk Management, Product Development, Compliance, and IT, as well as internal and external customers and vendors.
• Collaborate with Product Management, Risk Management, Retail Administration, Compliance, and Residential Mortgage to maximize sales and manage risk.
• Partner with the RCC Direct Lending Manager to identify and implement productivity and efficiency improvements.
• Develop and maintain relationships with affiliate banks through regular onsite visits and presentations.
• Exercise consumer lending credit authority in accordance with applicable authority guidelines and business needs.
• Collaborate with Regional Credit Center peers to identify and implement best practices across the centers.
• Participate in developing and recommending Direct Lending strategy, credit policy, and practices.
• Manage employee turnover in line with bank goals.
• Lead up to 20 non-exempt employees and provide timely, constructive performance feedback.
• Manage hiring, performance appraisals, and terminations for the assigned RCC group.
• Develop employees by providing challenging opportunities and ensuring adequate training.
• Develop a talent pool to support succession planning and recognize and reward employee accomplishments.
• Direct weekly staff meetings or other communications to facilitate information exchange within the department and with affiliates.
• Identify, assess, manage, monitor, and report risks, raise concerns, and follow applicable policies and procedures.

Benefits

• Comprehensive benefits programs supporting 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: Manager