Fifth Third Bank Regional Credit Lead - Nashville in Nashville, Tennessee
Fifth Third Bank is one of the top-performing banks in the country, with a heritage that spans more than 150 years. As The curious bank, we've staked our claim on looking at things differently, at being better listeners and at showing more commitment. This applies to our relationships with customers and employees alike.
We employ about 19,000 people, and what we offer is:
A chance for employees to build their future, with supportive career development and financial wellness programs.
An environment where we win together. We celebrate achievement and work collaboratively. We're also a two-time Gallup Great Workplace honoree.
An invitation to impact lives in a positive and lasting way. Everything we do is geared toward improving lives. That's fun and exciting.
It comes down to the fact that Fifth Third is a warm and caring place to with which to grow # as a customer or as a team member.
Credit/SAG, within Fifth Third Bank's Risk division, encompasses Commercial and Consumer Credit Risk along with our Special Assets Group. Independent from the lines of business, our team of Credit/SAG professionals are responsible for the overall credit r isk strategy, risk assessment and oversight of the portfolio of commercial and consumer loans originated by the various lines of business. Balanced financial risk taking through a clearly established risk appetite is accomplished through underwriting, app roval, monitoring and portfolio management of loans across the various lending disciplines.
The Special Assets Group supports the workout of loans with associated credit risks that have been classified at or above defined risk levels deemed too high for the bank to manage in a traditional portfolio. Together, these three departments support the Credit Risk Strategic Framework focused on creating competitive advantage through independent, forward looking and proactive thought leadership.
The Regional Credit Lead is primarily responsible for maintaining visibility over the full portfolio within a region and advising the region's Credit professionals. As a leader within the Credit organization, the Regional Credit Lead handlesescalationsand provides support for all Portfolio Manager and Portfolio Manager Team Lead responsibilities, reviewing deals and meeting with the Deal Team and Clients as needed.
The Regional Credit Lead is expected to have advanced expertise in Credit underwriting, portfolio management, and the regulatory environment as it relates to Credit. Additionally, the Regional Credit Lead should demonstrate leadership capabilities,withthe ability to effectively manage teams and workflow. An advanced understanding of customer needs with the ability to work with internal partners to drive customer loyalty and expand the use of Fifth Third Bank's products and services is alsoexpected.
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.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
. Work with Senior Banker to understand the business strategy and pipeline for the region
. Maintain a view of the full portfolio in region
. Define the Deal Team by identifying the credit partner (Middle Market Portfolio Manager or vertical credit partner) and Regional Closing Coordinator
. Meet with prospective clients as needed
. Assess viability of the client and/or transaction prior to term sheet
. Review deal structures and finalize term sheets
. Facilitate discussions with Credit Officers and support Portfolio Managers in discussions with Credit Officers as needed
. Handle escalations and provide support for all Portfolio Manager and Portfolio Manager Team Lead responsibilities
. Advise credit team of Fifth Third Bank's overall lending policy
. Establish workflow priorities within the region
. Provide ongoing management, coaching, training, and education for assigned staff of Credit professionals, to include Portfolio Managers and Portfolio Manager Team Leads
. Provide performance reviews for Portfolio Managers and Portfolio Manager Team Leads as assigned
The Regional Credit Lead supervises Portfolio Managers and Portfolio Manager Team Leads (as needed) in region. This includes recruiting, hiring, and providing ongoing management, coaching, training, and education.
Fifth Third Bank is proud to have an engaged and inclusive culture and to promote and ensure 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.
MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
. Bachelor's degree in Business required, Advanced degree preferred (e.g. Business Administration, Finance, or Accounting)
. Minimum of 8 years of experience in Credit Risk Commercial Banking
. Advanced knowledge of commercial lending credit policies and guidelines
. Advanced knowledge of banking products and services
. Expertise in financial and risk analysis
. Advanced knowledge of corporate business structure and legal documents
. General knowledge of U.S. government and regulation
. Knowledge of the local or regional market preferred, but not required
. Proficiency in internal banking applications
. Strong verbal and written communication skills
. Proficient in all Microsoft Office software
. Normal office environment with little exposure to dust, noise, temperature and the like
. Minimal travel required