Commercial Relationship Manager IV at Fifth Third Bank

San Diego, California, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Financial ServicesIndustries

Requirements

Ability to develop trusted advisory relationships with Senior Executives (e.g., CEO, CFO, COO) of companies with annual gross sales of at least $20MM and generally less than $500MM
Capable to lead and coordinate with One Bank Partners to create and implement a relationship strategy for very large, complex assigned clients and prospects
Strong understanding of credit, commercial products, and financial statement analysis to offer beneficial banking solutions (e.g., loans, treasury management, capital markets)
Expected to solicit participation in public debt issuance for clients
Some incumbents may specialize in a specific industry such as Health Care
Expected to actively participate in community activities
Responsible and accountable for risk management, openly exchanging ideas, elevating concerns, and following policies and procedures
Accountable for doing the right thing for customers and colleagues to drive a positive customer experience
Ability to identify, assess, manage, monitor, and report risks of all types within the Bank's risk appetite

Responsibilities

Work independently to identify and develop profitable new "lead left" client relationships by leveraging centers of influence, existing clients, and 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 to broaden relationship networks, referral sources, and deepen knowledge of trends, practices, services, and the competitive landscape
Work with One Bank partners (Treasury Management, Capital Markets, Wealth Management, etc.) to analyze, evaluate, and develop a tailored relationship strategy for each client or prospect
Plan and conduct relationship strategy review meetings with internal Fifth Third Business Partners and Client's trusted advisors (e.g., attorney, accountants)
Ensure customer relationships are managed to maximize opportunities for the bank while considering Bank risk and customer needs
Meet with customers regularly to enhance the trusted advisor relationship and ensure business needs are 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 CRM use for assigned partners
Utilize consultative selling skills, commercial playbook principles, and call reporting plans to enhance the client experience
Analyze financial information to determine questions for credit requests and decide which to pursue
Partner with Portfolio Managers and Credit Officers on credit requests and adhere to Portfolio Management guidelines (e.g., delinquencies, documentation, financial statement tracking, matured loans)
Monitor ongoing customer financial performance

Skills

Business Development

Credit Analysis

Financial Statement Analysis

Treasury Management

Capital Markets

Relationship Management

Commercial Lending

Public Debt Issuance

Fifth Third Bank

Provides banking, loans, and wealth management services

About Fifth Third Bank

Fifth Third Bank offers a variety of financial services, including personal and business banking, loans, mortgages, credit lines, and insurance products. Their services cater to individual consumers, small businesses, and commercial clients, providing comprehensive solutions for managing finances. The bank generates revenue through interest on loans, service fees, and commissions from insurance and investment products. Unlike many competitors, Fifth Third Bank emphasizes community engagement and financial education, providing resources to help clients improve their financial literacy. The goal of Fifth Third Bank is to support clients in achieving their financial objectives while fostering a strong connection with the communities they serve.

Cincinnati, OhioHeadquarters

1858Year Founded

IPOCompany Stage

Social Impact, Financial ServicesIndustries

10,001+Employees

Benefits

Health Insurance

Paid Sick Leave

Paid Holidays

Performance Bonus

Flexible Work Hours

Risks

Rising interest rates may decrease demand for loans and mortgages.

Competition from fintechs like Robinhood threatens Fifth Third's wealth management sector.

Sophisticated cybersecurity threats pose risks to customer data and trust.

Differentiation

Fifth Third Bank offers comprehensive financial solutions for individuals and businesses.

The bank emphasizes community engagement and financial education for client empowerment.

It provides a wide range of insurance products, including life, health, and disability.

Upsides

Increased demand for digital banking boosts Fifth Third Bank's online service offerings.

Partnerships with fintech enhance technological capabilities and customer experience.

Growing interest in sustainable finance attracts environmentally conscious customers.

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