Commercial Emerging Middle Market Relationship Manager I

About the role

Responsible for profitable business development and monitoring the quality of an existing portfolio of companies with annual gross sales of at least $10 million within a specific geographic area. Ability to develop One Bank partnerships to create and implement a relationship strategy for assigned clients and prospects. This position requires a strong understanding of commercial credit, commercial products, and financial statement analysis to offer beneficial banking solutions (e.g., loans, treasury management, capital markets) based on clients' and prospects' needs. This role is expected to actively 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, ensuring 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.

Responsibilities

• Prospect for clients independently by utilizing referral sources, existing clients, and centers of influence.
• Develop and implement a business plan to achieve financial goals and qualitative measurements.
• Work closely with Fifth Third internal partners to deepen existing relationships and acquire new prospective high-value relationships.
• Attend community and/or specific industry forums, conferences, and/or meetings to broaden relationship networks, referral sources, and continually deepen knowledge of trends, practices, services, and the competitive landscape.
• Work with product partners (Treasury Management, Capital Markets, Wealth Management, etc.) to analyze, evaluate, and develop a tailored relationship strategy for each client or prospect.
• Ensure customer relationships are managed to maximize 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 sales skills, commercial playbook principles, 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 and interpret financial information provided to determine the credit request that should be pursued.
• Partner with Credit on credit requests and adhere to established Portfolio Management guidelines.
• Achieve credit standards and metrics in regard to asset quality, credit administration (matured/renewals, financial statement documents, covenant data integrity, matured notes, and document exception), and RAROC.

Requirements

• Bachelor's or Master's in Business (e.g., Business Administration, Finance, Accounting) or equivalent work experience preferred.
• Minimum of 2 years of Commercial Banking experience; prefer at least 1 year in a sales role.
• Formalized commercial credit training or equivalent credit experience required.
• Proven ability to build new and existing client business, translating to increased revenue and providing a positive client experience.
• Strong business acumen, including 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 to optimize financial solutions.
• Ability to build strong "One Bank" internal partnerships to provide holistic solutions for clients' business and personal financial goals.
• Uses effective problem-solving and analytical skills with the ability to handle and prioritize multiple tasks.
• Demonstrates strong verbal and written communication skills, with particular emphasis on experience in face-to-face negotiations and group presentation skills.
• 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 required.

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.

Pay

Total Base Pay Range: $71,100.00 - $145,900.00 USD Annual

The base salary for this position reflects the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education, and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business, and/or individual performance.

Benefits

Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional, and social well-being. Benefits include:

• Comprehensive health and wellness programs
• Retirement savings plans
• Paid time off and leave options
• Employee assistance programs

You can learn more about those programs on our 53.com Careers page.

Location: San Diego, California 92130