RCC Direct Lending Credit Manager I

Fifth Third Bank • Cincinnati, OH

7d • 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 for those affiliates, and develops relationships between the Regional Credit Center and affiliate management.

The manager oversees lending procedures and practices, production and efficiency, cost of production, and compliance with applicable bank policies, laws, and regulations. The role collaborates with business partners across divisions and works with the RCC Direct Lending Manager and Regional Credit Center peers to improve productivity and establish best practices. It also participates in developing Direct Lending strategy, credit policy, and practices.

This position manages up to 20 non-exempt employees, including hiring, performance management, training, employee development, succession planning, recognition, and communication. It requires SAFE Act registration through NMLS at the time of employment. The work is based in a normal office environment, with extended viewing of a CRT screen and approximately 10% travel. The role is located in Cincinnati, Ohio.

Requirements

• Bachelor's degree in Business or Finance, or equivalent work experience.
• Minimum of 5 years of management experience in Consumer Lending, Banking, or Financial Services.
• Minimum of 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 MS Office, Word, Excel, and PowerPoint.
• SAFE Act registration through the Nationwide Mortgage Licensing System (NMLS) is required at the time of employment.

Responsibilities

• Manage development, implementation, and monitoring of lending procedures and practices for Regional Credit Center functions, including 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, federal, and Bancorp policies, laws, and regulations.
• Manage production and efficiencies to meet 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 divisions, internal customers, 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 improvements that increase productivity and efficiency.
• Develop and maintain relationships with affiliate banks through regular onsite visits and presentations.
• 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 to bank goals.
• Lead up to 20 non-exempt employees, providing timely and constructive performance feedback.
• Manage hiring, performance appraisal, and termination processes for the assigned RCC group.
• Develop employees through challenging opportunities and ensure adequate training.
• Develop a talent pool for succession planning and recognize and reward employee accomplishments.
• Direct weekly staff meetings or other communications to facilitate information exchange within the department and affiliate.
• Manage risk by identifying, assessing, monitoring, and reporting risks while following applicable policies and procedures.

Benefits

• Comprehensive benefits programs supporting employees' and their 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: Manager