Commercial Relationship Manager
Fifth Third Bank · Atlanta, GA · 1 mo ago
FinanceFull-time
We need to output HTML fragment with sections: headings for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real specific content. We must not repeat job title as heading. Must not include Job ID etc. Must preserve all substantive info, remove boilerplate. Need to parse the posting.
Let's extract content:
Opening: "Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank." This is like intro. Could be "About the role" maybe.
Then "General Function Responsible for profitable business development as well as monitoring the quality of an largest existing portfolio of companies with annual gross sales of at least $50MM and generally less than $500MM within a specific geographic area. Ability to develop trusted advisory relationships with the Senior Executives ( e.g. CEO, CFO, COO) of the Company. Capable to lead and coordinate with One Bank Partners to create and implement a relationship strategy for very large, complex 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. This role is expected to solicit participation in public debt issuance for clients. Some incumbents may specialize in a specific industry such as Health Care. 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."
That's a description of role.
Then "Essential Duties And Responsibilities" with subheadings: Business Development, Portfolio Management, Client Experience, Credit Excellence, Supervisory Responsibilities.
We need to output sections: maybe "Responsibilities" for duties. Could also have "Requirements" for Minimum Knowledge, Skills And Abilities Required.
Also "Qualifications" maybe overlapping with Requirements. We'll decide.
We need Benefits, Pay, Schedule only if present. The posting mentions: "Our Total Rewards include comprehensive benefits and differentiated compensation offerings..." and "The base salary for this position is reflective of 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. 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. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner."
Thus we have Benefits and Pay info. No explicit schedule. So we can include Benefits and Pay sections.
We must not include filler like "commensurate with experience". The Pay section: we have base salary range not given specific numbers, but we have description that base salary reflective of range, varies based on factors. That's somewhat vague but still substantive? It says base salary reflective of range, individual salaries vary based on factors. That's not a specific number but still info. The instruction: "never emit a heading followed by filler/placeholder text (e.g. 'commensurate with experience', 'not specified', 'N/A', 'varies', 'TBD')". The phrase "varies" is considered filler? It says never create Pay/Schedule/Benefits sections unless the posting actually states them. It does state base salary reflective of range, varies based on factors. That's still stating something, though vague. Might be acceptable. However they say avoid filler like "varies". The phrase "Individual salaries within this range will vary based on factors..." includes "vary". Might be considered filler? Not sure. Safer to maybe omit Pay section because it's not specific numbers. But they said "never create Pay/Schedule/Benefits sections unless the posting actually states them." It does state base salary and incentive compensation plan. So we can include Pay with that description.
Benefits: they describe comprehensive benefits programs, link. That's substantive.
Schedule: not mentioned, so omit.
Now we need to structure.
We'll have sections:
- About the role (intro paragraph)
- Responsibilities (list of duties)
- Requirements (minimum knowledge, skills, abilities)
- Benefits
- Pay
We could also have Qualifications but maybe combine with Requirements. We'll keep Requirements.
Now we need to format lists with
for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real specific content. We must not repeat job title as heading. Must not include Job ID etc. Must preserve all substantive info, remove boilerplate. Need to parse the posting.
Let's extract content:
Opening: "Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank." This is like intro. Could be "About the role" maybe.
Then "General Function Responsible for profitable business development as well as monitoring the quality of an largest existing portfolio of companies with annual gross sales of at least $50MM and generally less than $500MM within a specific geographic area. Ability to develop trusted advisory relationships with the Senior Executives ( e.g. CEO, CFO, COO) of the Company. Capable to lead and coordinate with One Bank Partners to create and implement a relationship strategy for very large, complex 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. This role is expected to solicit participation in public debt issuance for clients. Some incumbents may specialize in a specific industry such as Health Care. 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."
That's a description of role.
Then "Essential Duties And Responsibilities" with subheadings: Business Development, Portfolio Management, Client Experience, Credit Excellence, Supervisory Responsibilities.
We need to output sections: maybe "Responsibilities" for duties. Could also have "Requirements" for Minimum Knowledge, Skills And Abilities Required.
Also "Qualifications" maybe overlapping with Requirements. We'll decide.
We need Benefits, Pay, Schedule only if present. The posting mentions: "Our Total Rewards include comprehensive benefits and differentiated compensation offerings..." and "The base salary for this position is reflective of 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. 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. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner."
Thus we have Benefits and Pay info. No explicit schedule. So we can include Benefits and Pay sections.
We must not include filler like "commensurate with experience". The Pay section: we have base salary range not given specific numbers, but we have description that base salary reflective of range, varies based on factors. That's somewhat vague but still substantive? It says base salary reflective of range, individual salaries vary based on factors. That's not a specific number but still info. The instruction: "never emit a heading followed by filler/placeholder text (e.g. 'commensurate with experience', 'not specified', 'N/A', 'varies', 'TBD')". The phrase "varies" is considered filler? It says never create Pay/Schedule/Benefits sections unless the posting actually states them. It does state base salary reflective of range, varies based on factors. That's still stating something, though vague. Might be acceptable. However they say avoid filler like "varies". The phrase "Individual salaries within this range will vary based on factors..." includes "vary". Might be considered filler? Not sure. Safer to maybe omit Pay section because it's not specific numbers. But they said "never create Pay/Schedule/Benefits sections unless the posting actually states them." It does state base salary and incentive compensation plan. So we can include Pay with that description.
Benefits: they describe comprehensive benefits programs, link. That's substantive.
Schedule: not mentioned, so omit.
Now we need to structure.
We'll have sections:
- About the role (intro paragraph)
- Responsibilities (list of duties)
- Requirements (minimum knowledge, skills, abilities)
- Benefits
- Pay
We could also have Qualifications but maybe combine with Requirements. We'll keep Requirements.
Now we need to format lists with - . For prose use
.
We need to preserve all substantive information; do not invent or summarize away detail. So we need to include all details from the posting, but we can condense into bullet points? The instruction: "Use
- for any list of duties/requirements/benefits". So we should turn the duties into list items. Must preserve all substantive information; we can break sentences into list items but must not lose detail.
Let's extract duties:
Under Essential Duties And Responsibilities:
Business Development:
- Work independently to identify and develop profitable new "lead left" client relationships by leveraging centers of influence, existing clients, & referral sources
- Effectively grow long term profitable "lead left" relationships
- Work closely with assigned Fifth Third internal partners to deepen existing relationships and acquire new high value 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.
Portfolio Management:
- Work with One Bank partners (Treasury Management., Capital Markets, and Wealth Management etc.) analyze, evaluate and develop a tailored relationship strategy for each client or prospect.
- Responsible for planning and conducting relationship strategy review meetings with internal Fifth Third Business Partners and Client's trusted advisors (e.g. attorney, accountants)
- Ensure that customer relationships are managed to maximize the opportunity for the bank, while taking into account Bank risk and customer needs.
Client Experience:
- Meet with customers on a regular basis to enhance the trusted advisor relationship and ensure business needs are being met
- Lead and coordinate all client facing activities, including credit support, treasury management, and capital markets
- Utilize the Bank's Customer Relationship Management (CRM) system for client activity tracking, call reports and pipeline management.
- Reinforce use of CRM for assigned Fifth Third partners for monitoring pre-call and post-call activities
- Utilize consultative sells skills, commercial playbook principals and call reporting plans to enhance the client experience
Credit Excellence:
- Analyze the financial information provided to determine the questions to ask to decide on the credit request that should be pursued
- 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).
- 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.
Supervisory Responsibilities:
- No formal supervisory responsibilities.
- Expected to provide guidance to Commercial RM I & II
Now Minimum Knowledge, Skills And Abilities Required:
- Bachelor's or Master's in Business (e.g. Business Administration, Finance, Accounting) or equivalent work experience preferred.
- Minimum of 10 years Commercial Banking experience.
- 9 years of relationship account management 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.
- 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.
- Exhibits strong presentation skills in both large and small group settings.
- Proven ability to communicate with impact.
- Understands the audience and adjust communication as is appropriate level of detail for the audience; captures and holds the audience's attention.
- 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.
- Proven track record of exploring options for a prospective client or existing buyer/COI's prior to advocating for a solution.
- Influences client decision regarding strategy and product solutions-Engages in joint business planning with internal partners and buyers.
- Determines task and resources and project requirements by breaking them down into task and defining roles and responsibilities.
- Scans the internal and external environment to identify the relationships that should be initiated or improved to achieve business goals and fulfill clients needs.
- 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
Now Benefits:
- Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.
- 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.
- You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.
Pay:
- The base salary for this position is reflective of 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.
Now About the role/intro:
- "Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank." Could be a paragraph.
We also have location: "LOCATION -- Atlanta, Georgia 30326". Should we include? It's substantive. Could be part of About the role or a separate section? There's no heading for location; we could include in About the role paragraph.
Also there is a note about search firms etc. That's boilerplate to remove. Also EEO statement to remove.
Thus final HTML:
About the role
Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. LOCATION -- Atlanta, Georgia 30326
Responsibilities
- Work independently to identify and develop profitable new "lead left" client relationships by leveraging centers of influence, existing clients, & referral sources
- Effectively grow long term profitable "lead left" relationships
- Work closely with assigned Fifth Third internal partners to deepen existing relationships and acquire new high value 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 One Bank partners (Treasury Management., Capital Markets, and Wealth Management etc.) analyze, evaluate and develop a tailored relationship strategy for each client or prospect.
- Responsible for planning and conducting relationship strategy review meetings with internal Fifth Third Business Partners and Client's trusted advisors (e.g. attorney,
. We need to preserve all substantive information; do not invent or summarize away detail. So we need to include all details from the posting, but we can condense into bullet points? The instruction: "Use
- for any list of duties/requirements/benefits". So we should turn the duties into list items. Must preserve all substantive information; we can break sentences into list items but must not lose detail.
Let's extract duties:
Under Essential Duties And Responsibilities:
Business Development:
- Work independently to identify and develop profitable new "lead left" client relationships by leveraging centers of influence, existing clients, & referral sources
- Effectively grow long term profitable "lead left" relationships
- Work closely with assigned Fifth Third internal partners to deepen existing relationships and acquire new high value 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.
Portfolio Management:
- Work with One Bank partners (Treasury Management., Capital Markets, and Wealth Management etc.) analyze, evaluate and develop a tailored relationship strategy for each client or prospect.
- Responsible for planning and conducting relationship strategy review meetings with internal Fifth Third Business Partners and Client's trusted advisors (e.g. attorney, accountants)
- Ensure that customer relationships are managed to maximize the opportunity for the bank, while taking into account Bank risk and customer needs.
Client Experience:
- Meet with customers on a regular basis to enhance the trusted advisor relationship and ensure business needs are being met
- Lead and coordinate all client facing activities, including credit support, treasury management, and capital markets
- Utilize the Bank's Customer Relationship Management (CRM) system for client activity tracking, call reports and pipeline management.
- Reinforce use of CRM for assigned Fifth Third partners for monitoring pre-call and post-call activities
- Utilize consultative sells skills, commercial playbook principals and call reporting plans to enhance the client experience
Credit Excellence:
- Analyze the financial information provided to determine the questions to ask to decide on the credit request that should be pursued
- 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).
- 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.
Supervisory Responsibilities:
- No formal supervisory responsibilities.
- Expected to provide guidance to Commercial RM I & II
Now Minimum Knowledge, Skills And Abilities Required:
- Bachelor's or Master's in Business (e.g. Business Administration, Finance, Accounting) or equivalent work experience preferred.
- Minimum of 10 years Commercial Banking experience.
- 9 years of relationship account management 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.
- 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.
- Exhibits strong presentation skills in both large and small group settings.
- Proven ability to communicate with impact.
- Understands the audience and adjust communication as is appropriate level of detail for the audience; captures and holds the audience's attention.
- 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.
- Proven track record of exploring options for a prospective client or existing buyer/COI's prior to advocating for a solution.
- Influences client decision regarding strategy and product solutions-Engages in joint business planning with internal partners and buyers.
- Determines task and resources and project requirements by breaking them down into task and defining roles and responsibilities.
- Scans the internal and external environment to identify the relationships that should be initiated or improved to achieve business goals and fulfill clients needs.
- 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
Now Benefits:
- Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.
- 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.
- You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.
Pay:
- The base salary for this position is reflective of 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.
Now About the role/intro:
- "Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank." Could be a paragraph.
We also have location: "LOCATION -- Atlanta, Georgia 30326". Should we include? It's substantive. Could be part of About the role or a separate section? There's no heading for location; we could include in About the role paragraph.
Also there is a note about search firms etc. That's boilerplate to remove. Also EEO statement to remove.
Thus final HTML:
About the role
Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. LOCATION -- Atlanta, Georgia 30326
Responsibilities
- Work independently to identify and develop profitable new "lead left" client relationships by leveraging centers of influence, existing clients, & referral sources
- Effectively grow long term profitable "lead left" relationships
- Work closely with assigned Fifth Third internal partners to deepen existing relationships and acquire new high value 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 One Bank partners (Treasury Management., Capital Markets, and Wealth Management etc.) analyze, evaluate and develop a tailored relationship strategy for each client or prospect.
- Responsible for planning and conducting relationship strategy review meetings with internal Fifth Third Business Partners and Client's trusted advisors (e.g. attorney,