Commercial Relationship Manager IV
Fifth Third Bank, N.A., San Jose, CA, United States
General Function
Responsible for profitable business development and monitoring the quality of a large existing portfolio of companies with annual gross sales of at least $50MM and generally less than $500MM within a specific geographic area. Develop trusted advisory relationships with senior executives (e.g., CEO, CFO, COO) of the companies. Lead and coordinate with One Bank Partners to create and implement a relationship strategy for very large, complex assigned clients and prospects. Understand credit, commercial products, and financial statement analysis to offer beneficial banking solutions (e.g., loans, treasury management, capital markets) based on clients’ needs. Solicit participation in public debt issuance for clients and engage in community activities.
Assist in risk management by exchanging ideas, elevating concerns, and following policies to ensure a positive customer experience while operating within the bank’s risk appetite.
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, 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 industry forums, conferences, and meetings to broaden networks, referral sources, and deepen knowledge of trends, practices, services, and the competitive landscape.
Portfolio Management Collaborate 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 a client’s trusted advisors (e.g., attorney, accountant). Ensure that customer relationships maximize opportunity for the bank while addressing risk and customer needs.
Client Experience 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. Use the bank’s Customer Relationship Management (CRM) system for client activity tracking, call reports, and pipeline management. Apply consultative sales skills, commercial playbook principles, and call‑reporting plans to enhance the client experience.
Credit Excellence Analyze financial information to determine questions needed to pursue credit requests. Partner with Portfolio Managers and Credit Officers on credit requests and adhere to established portfolio‑management guidelines. Monitor ongoing customer financial performance, conditions, and industry trends to ensure credit exposure remains at an acceptable risk and is priced appropriately.
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 10 years of commercial banking experience. 9 years of relationship account management experience preferred. Formalized commercial credit training or equivalent credit experience required. Underwriting experience preferred. Track record of partnership with investment bankers to provide strategic and capital‑market advice. Strong business acumen, including detailed analysis, financial statement review, and accounting principles. Thorough knowledge of commercial, treasury management, and alternative lending financing options. Ability to assess client needs and drivers of profitability to optimize financial solutions. Strong presentation skills in both large and small group settings, with the ability to communicate with impact. Proven ability to identify and understand business issues, problems, and opportunities and to develop relevant solutions. Proven ability to explore options for prospective or existing clients before recommending a solution. Influence client decision regarding strategy and product solutions, engaging in joint business planning with internal partners and buyers. Define tasks and project requirements, breaking them down and allocating roles and responsibilities. Scan the internal and external environment to identify relationships to initiate or improve to achieve business goals and fulfill client needs. Strong verbal and written communication skills, especially in face‑to‑face negotiations. Proven ability to work in a team‑based sales environment. Proficiency in Microsoft Office; familiarity with prospecting and CRM tools preferred. Willingness to travel regionally or locally.
Compensation and Benefits Base salary range: $121,900.00 – $262,100.00 USD per year, with eligibility for incentive compensation based on performance. Comprehensive benefits include health, financial, and wellness programs. Details are available at Fifth Third Bank’s careers website.
Location San Jose, California 95113
Equal Employment Opportunity Statement Fifth Third Bank is proud to have an engaged and inclusive culture and promotes and ensures 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.
#J-18808-Ljbffr
Responsible for profitable business development and monitoring the quality of a large existing portfolio of companies with annual gross sales of at least $50MM and generally less than $500MM within a specific geographic area. Develop trusted advisory relationships with senior executives (e.g., CEO, CFO, COO) of the companies. Lead and coordinate with One Bank Partners to create and implement a relationship strategy for very large, complex assigned clients and prospects. Understand credit, commercial products, and financial statement analysis to offer beneficial banking solutions (e.g., loans, treasury management, capital markets) based on clients’ needs. Solicit participation in public debt issuance for clients and engage in community activities.
Assist in risk management by exchanging ideas, elevating concerns, and following policies to ensure a positive customer experience while operating within the bank’s risk appetite.
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, 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 industry forums, conferences, and meetings to broaden networks, referral sources, and deepen knowledge of trends, practices, services, and the competitive landscape.
Portfolio Management Collaborate 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 a client’s trusted advisors (e.g., attorney, accountant). Ensure that customer relationships maximize opportunity for the bank while addressing risk and customer needs.
Client Experience 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. Use the bank’s Customer Relationship Management (CRM) system for client activity tracking, call reports, and pipeline management. Apply consultative sales skills, commercial playbook principles, and call‑reporting plans to enhance the client experience.
Credit Excellence Analyze financial information to determine questions needed to pursue credit requests. Partner with Portfolio Managers and Credit Officers on credit requests and adhere to established portfolio‑management guidelines. Monitor ongoing customer financial performance, conditions, and industry trends to ensure credit exposure remains at an acceptable risk and is priced appropriately.
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 10 years of commercial banking experience. 9 years of relationship account management experience preferred. Formalized commercial credit training or equivalent credit experience required. Underwriting experience preferred. Track record of partnership with investment bankers to provide strategic and capital‑market advice. Strong business acumen, including detailed analysis, financial statement review, and accounting principles. Thorough knowledge of commercial, treasury management, and alternative lending financing options. Ability to assess client needs and drivers of profitability to optimize financial solutions. Strong presentation skills in both large and small group settings, with the ability to communicate with impact. Proven ability to identify and understand business issues, problems, and opportunities and to develop relevant solutions. Proven ability to explore options for prospective or existing clients before recommending a solution. Influence client decision regarding strategy and product solutions, engaging in joint business planning with internal partners and buyers. Define tasks and project requirements, breaking them down and allocating roles and responsibilities. Scan the internal and external environment to identify relationships to initiate or improve to achieve business goals and fulfill client needs. Strong verbal and written communication skills, especially in face‑to‑face negotiations. Proven ability to work in a team‑based sales environment. Proficiency in Microsoft Office; familiarity with prospecting and CRM tools preferred. Willingness to travel regionally or locally.
Compensation and Benefits Base salary range: $121,900.00 – $262,100.00 USD per year, with eligibility for incentive compensation based on performance. Comprehensive benefits include health, financial, and wellness programs. Details are available at Fifth Third Bank’s careers website.
Location San Jose, California 95113
Equal Employment Opportunity Statement Fifth Third Bank is proud to have an engaged and inclusive culture and promotes and ensures 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.
#J-18808-Ljbffr