Fifth Third Bank

Director

• Cover private equity firms and alternative asset managers investing in the Consumer sector
• Drive deep connectivity and relationships with key decision makers to generate M&A advisory, leveraged finance, and commercial banking engagements
• Develop individual strategies for more than 30 sponsor clients with deal partners, capital markets professionals, and senior management
• Originate and oversee execution of lead financing transactions for high-value portfolio companies
• Collaborate with sector teams and product partners across capital markets and commercial banking
• Lead positioning strategy with financial sponsor clients and position Fifth Third Bank as a trusted advisor
• Prospect, pitch, and execute high-value M&A and lead financing transactions
• Generate engagements and revenue across M&A advisory, leveraged finance, capital markets, fund finance, and treasury management
• Oversee teams in origination and execution of new transactions
• Engage with the broader Financial Sponsors Group to drive best practices and coordination
• Conduct frequent business development interactions and client meetings
• Prioritize and track calling efforts and outcomes while maintaining CRM systems
• Travel for business and attend client meetings
• Direct or indirectly supervise junior SRMs or bankers
• Provide timely, candid, and constructive performance feedback
• Develop employees and provide challenging career-growth opportunities

Executive Director, Consumer Sponsor Coverage

Manager

• Manage the development and execution of the Credit Risk Review Continuous Review program for assigned Commercial or Consumer lines of business
• Evaluate credit risk management processes, loan policy and regulatory compliance, problem asset administration, impairments and charge-offs
• Review credit quality and trends across portfolios, industry sectors and products
• Identify emerging risks
• Attend meetings with business leaders, regulators and external auditors
• Establish risk-based business plans and update them throughout the year
• Complete continuous review activities and participate in horizontal, targeted and portfolio reviews
• Present review activities and results and prepare quarterly and annual summaries
• Analyze portfolio strategies, risk considerations, quality trends and open issues
• Challenge and advise business leaders on credit risk practices, emerging risks and portfolio trends
• Publish reports summarizing review results, issues, observations and recommendations
• Manage open issues, observations, recommendations and action plans
• Review risk ratings and accrual status for Commercial roles
• Complete quality assurance reviews and support the CRR quality assurance program
• Recommend process improvements and efficiencies
• Share findings and emerging risks with Internal Audit and other Risk functions
• Participate in acquisition due diligence and special projects
• Assist in recruiting qualified CRR candidates

Credit Risk Manager II

Loan Specialist

• Support role with a wide-ranging knowledge of Commercial Servicing to ensure customer SLAs are met efficiently and accurately.
• 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.
• Achieve productivity and quality metrics expectations within each servicing function performed.
• Demonstrate and appropriately apply a working knowledge of expansive commercial loan portfolio, legal requirements, Fifth Third Bancorp Commercial Loan policies, State and Federal Laws and Regulations.
• Assist with ad hoc requests related to Internal/External Audits, SOX Testing, Issue resolution, RCSA, Business Controls testing, and Remediations.
• Proficient at reviewing legal documentation in order to validate and process requested adjustments.
• Thorough understanding and responsible for compliance of SBA operational policies.
• Assist other commercial servicing teams during peak volume.
• Coordinate all wire initiation for the Servicing department.
• Strong customer service skills with both internal and external customers
• Review operational procedures and methods and recommend changes for improvement with an emphasis on automation and efficiency.
• Gain a strong understanding of multiple systems, AFS, ACBS, Real Synergy, ACE, Filenet, Mobius, CRM, Microsoft products
• Ensure accurate processing of complex transactions on high dollar loans with potential for high level customer and bank impact.
• Serve as a contact for escalated commercial customer research and resolution requests, in addition to handling highly complex customer or operational issues.

Commercial Loan Servicing Specialist

Mortgage Loan Officer

• Performs a wide range of duties relating to the origination of residential 1st mortgage loans for outside referrals
• Meets standards and objectives defined by management for mortgage loan sales and cross-selling objectives
• Assumes overall responsibility for the residential mortgage loan from application to closing
• Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined
• Communicate with branches and/or applicants of providing timely updates and progress reports
• Maintain high levels of customer service while managing each applicant's and support staff's expectations
• Attend and participate in all Consumer Lending meetings as required by management.

Underwriter

• Prepare succinct credit approval memos with minimal errors, including company and industry descriptions, key credit risks, historical analysis, base and downside case projection assumptions/rationale and terms and conditions.
• Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU teamworks to identify and resolve required edits or corrections
• Responsible for running projection models with assumptions provided
• Responsible for completing underwriting process with limited oversight
• Ensure accuracy, integrity, and timeliness of credit data across internal systems and reports
• Take appropriate action to resolve data, documentation, or analysis deficiencies and escalate questions to the appropriate level
• Identify emerging risks or negative trends and escalate appropriately.
• Maintain a working knowledge of Bancorp credit policies, guidelines and procedures.
• Perform Borrowing Entity PD Ratings and Obligation LGD Ratings.
• May assist with training and onboarding of new employees
• May support special projects or ad hoc analysis as assigned by management

Credit Analyst – Corporate Underwriting

Research Analyst

• Partner with Directors and Principals in credit and underwriting, performing analytical tasks as needed
• Use critical thinking to identify and draft documentation
• Responsible for regularly completing indicative credit information into Banking Systems with little to no errors
• Responsible for preparing risk-rating scorecard and performing tickler event analysis to identify potential risks
• Responsible for developing risk models and advising Principals of unforeseen obstacles that may impede meeting client expectations
• Identify and determine monitoring analysis activities required
• Verify covenants and define updates needed on ticklers
• Monitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of action
• Responsible for assessing covenant compliance reporting and identifying issues
• Review covenant compliance certificates to understand performance and determine actions to remediate breaches
• Update financial covenants and calculations as needed
• Run Probability of Default (PD) model with oversight
• Responsible for completing underwriting process with limited oversight
• Create and complete a CAM with little to no errors
• Review and re-write renewals for deals of limited complexity
• Responsible for portfolio analysis and the development for Portfolio Reviews in preparation for client meetings
• Take appropriate remedial actions to resolve deficiencies and escalates questions/disputes to appropriate level when necessary
• May assist with training of new employees
• May work on special projects as assigned by management.

Senior Credit Analyst – Corporate Underwriting – Entertainment Industry

• Leads the enterprise strategy for the CIT platform, driving growth, retention, and expansion of CIT capabilities
• Establishes and oversees governance frameworks to ensure CIT platform integrity
• Leads the design and continuous improvement of CIT operational processes to ensure efficiency
• Oversees the effectiveness of systems and technology supporting the CIT platform
• Manages relationships with external vendors and service providers supporting the CIT platform
• Evaluates institutional market trends and competitive offerings to inform platform strategy
• Partners across Investment Management, Fiduciary, Sales, Legal, Risk, Compliance, and Operations
• Serves as a subject matter expert on CIT capabilities
• Monitors platform performance and drives initiatives to improve outcomes
• Builds strong relationships across senior leadership to influence strategy

Senior Manager, CIT Platform

Community Manager

• Originate Community Development Loans primarily for LIHTC affordable housing developments
• Manage and monitor the quality of an existing portfolio of affordable housing loans
• Achieve assigned CD Lending goals and develop revenue growth through loans and cross-selling bank services
• Underwrite credit requests and approve real estate loans within established lending limits
• Develop and maintain important client relationships

Community Development Lending Director

Financial Planning and Analysis

• Provide leadership in the pitching and execution of CIB transactions
• Provide support to the Managing Directors in the day to day management of the team's Associates and Analysts
• Ensure that junior resources are allocated appropriately across the groups projects
• Oversee the groups modeling and analytical capabilities with limited supervision
• Create high-impact pitch materials and run the execution processes for transactions
• Direct day to day supervision of Associates and Analysts
• Provide timely, candid and constructive performance feedback
• Develop employees to their fullest potential
• Recognize and reward employees for accomplishments.
• Understand and evaluate complex financial models
• Perform complex financial analysis
• Create high-impact presentation materials using PowerPoint, Excel, Word and other relevant software programs
• Work well as part of a team in a high stress environment
• Develop good working relationships with peers and senior bankers in Corporate & Investment Bank
• Manage priorities while working on a number of high priority opportunities simultaneously
• Apply a strong background in credit and corporate finance to CIB transactions
• Serve as support to senior bankers and be capable of making internal and external presentations to support efforts of the Managing Directors
• Ensure adherence to risk, compliance, confidentiality, and information barrier requirements.

Investment Banking Principal / Vice President – Environmental Services

Mortgage Loan Originator

• Performs a wide range of duties relating to the origination of residential 1st mortgage loans for outside referrals.
• Meets standards and objectives defined by management for mortgage loan sales and cross-selling objectives.
• Assumes overall responsibility for the residential mortgage loan from application to closing.
• 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.
• Develop referral contacts (realtors, builders, professional and personal contacts).
• Maintain knowledge of Fifth Third Mortgage Company's policies and procedures.
• Maintain knowledge of available loan products, processing procedures, and underwriting and general departmental guidelines.
• Follow defined protocol for escalation exceptions.
• Take applicant applications by completing Fannie Mae form 1003 on the laptop.
• Utilize the laptop for communication and access of daily rates, applicant credit reports, Loan Prospector responses and transmitting the loan to LOMAS.
• Collect appropriate documentation from each applicant and deliver loan package in the time frames set by management.
• Manage pipeline for all originated loans through closing and complete required management reports.
• Communicate with branches and/or applicants of providing timely updates and progress reports.
• Maintain high levels of customer service while managing each applicant's and support staff's expectations.
• Attend and participate in all Consumer Lending meetings as required by management.

Vice President

• This role provides analytical and execution support across Asset-Backed Securities (ABS) transactions, assisting with structuring and cash flow modeling across multiple asset classes, including transportation (aircraft, container, rail), auto, consumer assets, equipment, music/TV/film royalties, and digital infrastructure.
• The position supports both public market issuances and private placement transactions and works closely with senior structurers, originators, and distribution teams across the ABS platform.
• This role supports the development of bond structures and cash flow models for pitches and marketing materials, assists in reviewing transaction documentation, and contributes to interactions with rating agencies and accounting firms.
• The role also helps respond to investor questions related to deal structure and cash flow analytics in coordination with senior team members.
• Responsibilities include supporting bond analysis, assisting with modeling rating agency stresses, performing breakeven analysis, and conducting detailed cash flow analytics.
• This role serves as a core analytical resource supporting the ABS structuring, origination, and distribution process.

Associate / VP – ABS Structuring & Modeling

• Accountable for overall production, coaching, training, and developing a team of licensed retail bankers
• Handle large book of clients with complex financial profiles
• Design and customize coaching sessions to train bankers on investment strategies
• Conduct solo and joint appointments with bankers to identify potential clients
• Maintain presence within the bank to develop relationships
• Achieving sales goals while serving client needs
• Plan and conduct coaching sessions with retail bank employees
• Develop and conduct client meetings to close sales
• Handle daily client needs and prioritize tasks
• Manage sales planning to drive financial results
• Conduct internal and external seminars for business growth

Investment Executive, Financial Advisor

Commercial Underwriter

• Accountable for managing and monitoring a portfolio of accounts.
• Review and recommend credit decisions.
• Partners with the Relationship Manager, forming the “coverage team.”
• Ensure loan structure is correct regarding borrowers and guarantors, deal structure, credit terms and conditions, and financial covenants.
• Value collateral.
• Expected to contribute to work flow or process change and redesign, and to form a strong basic understanding of the Credit Lending process.
• Focus on execution within defined credit lending process.
• Perform final risk rating analysis.
• Capture and document credit decisions, conditions, and modifications.
• Perform Monitoring action and conduct periodic relationship Review.
• Execute decisions to renew or modify deals.
• A focus on continuous learning to keep up with ever-changing market dynamics.
• Analyze new credit requests and Provide loan decisions and/or credit recommendations based on a review of all underwriting criteria, including loan structure, collateral, interest rate, and fees.
• Effectively communicate loan decision to loan originator (Relationship Manager).
• Identify and review all necessary due diligence items.

Commercial Core Underwriter – Portfolio Manager

Analyst

• Completes daily duties of underwriting and monitoring credit while performing analytical activities and identifying risks or issues
• Drafts credit approval documents and review memos for loans and other ancillary products
• Prepares succinct credit approval memos with minimal errors
• Completes ongoing portfolio monitoring, including covenant tracking and financial statement reviews
• Identifies and determines monitoring analysis activities required
• Verifies covenants and defines updates needed on ticklers
• Monitors covenant completion and tracks past due or out of compliance covenants and recommends appropriate course of action
• Responsible for understanding and evaluating completed spreads to determine necessary edits
• Generates and provides various pipeline and portfolio reporting as needed to credit leadership
• Prepares Criticized Period Reviews reports with oversight
• Responsible for running projection models
• Ensures accuracy, integrity, and timeliness of credit data across internal systems and reports
• Identifies emerging risks or negative trends and escalates appropriately
• Maintains a working knowledge of Bancorp credit policies, guidelines and procedures

Commercial Credit Analyst

Data Analyst

• Leads in the analysis of data activities and engagement across the assigned organization
• Responsible for developing reporting, analytics, metrics and key performance indicators
• Provide in-depth analysis and recommendations for improving/enhancing line of business performance
• Assist in leading the education and development of less experienced staff
• Collaborates with cross-functional teams and provides valuable data-driven insights
• Responsible for manipulating large data files and transforming the data into business information that helps fulfill strategic objectives
• Provides feedback and coaching to other data analysts