Newline Relationship Manager II

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GENERAL FUNCTION:

Responsible for profitable business development and monitoring the quality of an existing portfolio of companies within the bank’s Newline vertical.  The position requires a strong understanding of the payments industry and will focus on growing relationships that utilize the bank’s Newline money movement services and technology, including sponsorship services, instant payment and API connectivity.  This includes but is not limited to payroll, payment aggregators, payment facilitators, merchant acquirers, card issuers, bill payment, verticalized software / SaaS and other companies that have developed client facing payment products. 

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 the payments industry, treasury products, payments verticals, commercial credit, commercial products, financial statement analysis and technology/software sales, in order to offer comprehensive treasury and embedded payment solutions based on clients and prospects needs. The incumbent will have a deeper skill set understanding the needs and requirements of complex payment businesses to call on larger clients and more sophisticated credits. This role is expected to actively participate in industry events/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 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:

• Strong understanding of the payments industry and fintech infrastructure / technology needed to execute an Embedded Solution
• Prospect for clients independently by utilizing referral sources, existing clients and centers of influence.

• Develop and implement business plan to achieve financial goals and qualitative measurements.
• Work closely with Fifth Third internals "One Bank" partners to deepen existing relationships and acquire new prospective relationships.
• Attend community and/or specific industry forums, conferences and/or meetings in order to broaden relationship networks, referral sources and continually deepen knowledge of trends, practices, services and the competitive landscape.
• Work with product, risk and operation partners 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 client experience
• Utilize the Bank's Customer Relationship Management (CRM) system for client activity tracking, call reports and pipeline management.
• Partner with Credit and on credit requests and adhere to established Portfolio Management guidelines.
• Analyze and interpret financial information provided to determine the right questions to ask to decide on the credit request that should be pursued.

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 4 years Commercial Banking experience, preferably at least 3 years in a sales role.
• Formalized commercial banking training or payments industry experience required. Ability to structure for moderately complex financial situations.
• 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 financing options
• Ability to assess client needs, drivers of profitability, and corporate/personal life cycle optimizing financial solutions.
• Ability to build strong "One Bank" internal partnerships to provide holistic solutions for the clients business and personal financial goals.
• Communicates with impact to