Commercial Middle Market Relationship Manager III - Charlotte, United States - Fifth Third

Description

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• GENERAL FUNCTION: Responsible for profitable business development as well as monitoring the quality of an extensive existing portfolio of companies with annual gross sales of at least $10 million with more emphasis on customers with higher revenues least $20 million). Ability to lead and coordinate with One Bank Partners to create and implement a relationship strategy for assigned clients and prospects. This position requires a strong understanding of credit, commercial products and financial statement analysis, in order to offer beneficial banking solutions (e.g. loans, treasury management, capital markets) based on clients and prospects needs. The incumbent will have extensive knowledge and experience working with high revenue, more complex relationships. This role is expected to solicit participation in public debt issuance for clients. This role is expected to activity participate in community activities. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types. ESSENTIAL DUTIES AND RESPONSIBILITIES:
  • Work independently to identify and develop profitable new "lead left" client relationships by leveraging centers of influence, existing clients, & referral sources.
  • Develop and implement a business plan to achieve financial goals and qualitative measures.
  • Work closely with Fifth Third internal partners to deepen existing relationships and acquire new prospective relationships.
  • Attend community and/or specific industry forums, conferences and/or meetings in order to broaden relationship networks, referral sources and continually deepen knowledge of trends, practices, services and the competitive landscape.
  • Work with product partners (Treasury Mgmt., Capital Markets, and Wealth Mgmt etc.) analyze, evaluate and develop a tailored relationship strategy for each client or prospect. Ensure that customer relationships are managed to maximize the opportunity for the bank, while taking into account Bank risk and customer needs.
  • Meet with customers on a regular basis to enhance the trusted advisor relationship and ensure business needs are being met.
  • Utilize consultative sells skills, commercial playbook principals and call reporting plans to enhance the client experience.
  • Utilize the Bank's Customer Relationship Management (CRM) system for client activity tracking, call reports and pipeline management.
  • Analyze financial information provided to determine the credit request that should be pursued.
  • Monitor, on an ongoing basis, information concerning customer financial performance, condition, and industry trends to determine that any credit exposure is at an acceptable risk, and priced accordingly.
  • Partner with Portfolio Managers and Credit Officers on credit requests and adhere to established Portfolio Management guidelines (i.e., delinquencies, documentation preparation, financial statement tracking exceptions, matured loans).
  SUPERVISORY RESPONSIBILITIES: No formal supervisory responsibilities. Expected to provide guidance to Commercial RM I & II MINIMUM KNOWLEDGE,SKILLS AND ABILITESREQUIRED:
  • Bachelor's or Master's degree in Business (e.g. Business Administration, Finance, Accounting) or equivalent work experience preferred.
  • Minimum of 6 years Commercial Banking experience, at least 5 years of sales experience preferred.
  • Formalized commercial credit training or equivalent credit experience required.
  • Underwriting experience preferred.
  • Proven track record of partnership with investment bankers to provide strategic and capital market advice.
  • Proven ability to build new and existing client business translating to increased revenue and provide a positive client experience.
  • Strong business acumen, to include detailed analysis, review of financial statements and understanding of accounting principles.
  • Thorough knowledge of Commercial, Treasury Management, and alternative lending and financing options.
  • Ability to assess client needs, drivers of profitability, and corporate/personal life cycle optimizing financial solutions.
  • Communicates with impact to a group -Understands the audience and adjust communication as is appropriate level of detail for the audience; captures and holds the audience attention.
  • Ability to build strong internal partnerships to provide wholistic solutions for clients business and personal financial goals.
  • Proven track record of identification and understanding of business issues, problems, and opportunities and the ability to create relevant options for addressing problems/opportunities to achieve desired outcomes.
  • Demonstrates strong verbal and written communication skills, with particular emphasis on experience in face-to-face negotiations.
  • Proven ability to work in a team-based sales environment.
  • Must be proficient in all Microsoft Office software; familiarity with prospecting and CRM sales tools preferred.
  • Regional /local travel.
  #LI-JB1 WORKING CONDITIONS:
  • Normal office environment with little exposure to dust, noise, temperature and the like.
  • Extended viewing of CRT screen.
  • Frequent travel possible depending on assignment.
• Additional Job Description As a member of the Commercial Banking team, you will:
  • Build thriving relationships and help drive financial success for your clients.
  • Collaborate with internal partners, including local credit partners, to build holistic solutions.
  • Leverage partnerships with centers of influence, clients and referral sources to maximize success.
  • Manage profitability, minimize risk and demonstrate knowledge of trends and the competitive landscape through the Bank's one-of-a-kind Customer Relationship Management (CRM) system.
  • Demonstrate your ability as a trusted advisor in all relationships, including the team members you mentor and grow.
  • Enjoy a well-rewarded career with a company that helps you do your best work each day, provides the tools you need to succeed, and fosters a culture of engagement and support.
  • Serve as part of a team focused on improving lives and communities,
  The most successful individuals in this role typically have 6+ years of commercial banking experience and credit expertise. Our top performers have:
  • Past success building new and existing business while ensuring exceptional, personalized service.
  • The ability to excel in a collaborative, highly- matrixed environment.
  • The skill to communicate with impact to a group.
  • Strong influence and negotiation skills.

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.