Commercial Relationship Manager

Commercial Relationship Manager 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 an emphasis on customers with higher revenues (at 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, complex relationships. This role is expected to solicit participation in public debt issuance for clients and 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 and ensuring 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 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.) to 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 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 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 (e.g., 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 Abilities Required 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 adjusts communication as appropriate to the audience; captures and holds the audience's attention. Ability to build strong internal partnerships to provide holistic 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 or 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. 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. Compensation and Benefits 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 or by consulting with your talent acquisition partner. Location Birmingham, Alabama 35209 #J-18808-Ljbffr