Employment Type:  Regular

Full/Part Time:  Full-time

Division:  Division Retail

Job Description:  GENERAL FUNCTION: Manages 150 - 200 assigned Business Banking customer relationships (small to medium sized businesses and individual relationships), which can involve significant credit exposure ($3 to $10 MM). Responsible for cross-selling commercial loans and deposits as well as other Fifth Third Bank services to assigned relationships. Provide financial counseling to customers, and provide assigned Banking Center Mangers lending assistance. Responsible for the growth, retention and profitability of assigned relationships. DUTIES & RESPONSIBILITIES:* Marketing/Saleso Identify alternative loan candidates among qualified customer base.o Provide expertise to assigned area of responsibility for achieving commercial loan and deposit goals.o Grow assigned relationships by cross-selling other Fifth Third Bank services and deepen relationships referred by Business Development Officer or Small Business Specialist.o Refers new customer base and partners with Business Development Officer or Small Business Specialist, or refers customers to other Lines of Business within bank, to build/deepen relationships and help the overall contribution to the bottom line.o Develop and execute retention strategy for current relationships in order to achieve desired profitability.* Underwritingo Interview applicants to develop information concerning their businesses, banking needs and determine their capacity to fulfill all obligations to the Bank.o Develop an underwriting list of essential information needed to render a timely response.o Provide a timely response on all over limit loan/credit requests within five (5) working days from receipt of essential underwriting information.o Provide supervision for the lending activities of Banking Center Mangers, including communicating Bank-lending policies, and advising and controlling the extension of loans. This includes interviewing applicants to develop information concerning their business needs, abilities and financial condition to determine their credit worthiness.o Act in over limit capacity, or take the initiative to seek necessary level of loan authority to make a loan if in excess of personal lending authority.o Provide advice and direction to prospects and customers in regard to loan requests or other bank services and products.* Administrativeo Ensure client satisfaction by responding promptly to customer inquiries and requests and coordinating activities of appropriate personnel to resolve issues.o Visit and telephone clients on a regular basis to maintain a strong, working relationship.o Maintains a strong knowledge base of bank policies, procedures, loan products, pricing and educates prospects on Fifth Third Bank's advantages.o Worth with Portfolio Manager, Collections, Work Out group to ensure corrective actions are taken regarding Watch Lists, Administrative Loan, Non-accrual or Chargeoff.SUPERVISORY RESPONSIBILITIES: None

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Bachelor’s degree in marketing, finance or related business field or four (4) years related experience. 

Minimum three (3) years selling to or managing Commercial relationships (such as a Banking Center Manager or Portfolio Manager). 

Underwriting experience, banking experience, or familiarity with financial services products helpful. 

Knowledge of bank policies, guidelines, and processes.

Knowledge of federal and state lending regulations governing commercial lending.

Must be detail oriented and possess strong organizational and analytical skills. 

Must be able to analyze complex financial data in order to make sound credit decisions.  

Excellent presentation and interpersonal skills required.  

Proficient using Microsoft Office applications.

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