Middle Market Credit Lead

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ENERAL FUNCTION: 

The Credit Lead is accountable for the development of Credit Solutions professionals and active portfolio management leadership through execution, prioritization, and consistency of credit practices and credit risk oversight.   

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: 

• Establish workflow priorities and resource alignment to support effective execution across deal and portfolio activities. 

• Maintain a forward-looking, independent assessment of borrower and portfolio creditworthiness, including early identification of emerging risks, and escalate emerging risks or nonstandard situations to senior credit leadership as appropriate. 

• Drive credit excellence metrics, including asset quality, policy adherence, underwriting quality, risk rating accuracy, problem loan identification, and timely remediation of issues. 

• Ensure consistent application of credit policy, underwriting standards, and portfolio management practices across teams. 

• Engage with clients and prospects as needed, typically in support of Banking partners and senior credit leadership, particularly in complex or sensitive situations. 

• Champion continuous improvement initiatives, special projects, and strategic enhancements to credit and portfolio management processes and systems. 

• Ensure system integrity, documentation accuracy, and regulatory compliance across the portfolio. 

• Provides ongoing coaching and mentoring of Credit Solutions professionals. 

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SUPERVISORY RESPONSIBILITY: 

Includes the direct and indirect supervision and direction of the day-to-day activities of Credit Solutions professionals. Responsible for providing employees with timely, candid, and constructive performance feedback. Develop employees to their fullest potential and provide challenging opportunities that enhance employee career growth. Develop the appropriate talent pool to ensure adequate bench strength and succession planning. Recognize and reward employees for accomplishments. 

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED: 

• Bachelor’s degree in Business, Finance, Accounting, or related field required; advanced degree preferred. 

• Minimum of 8 years of experience in commercial credit, portfolio management, underwriting, or credit risk leadership. 

• Strong commercial credit underwriting, structuring, portfolio management, and legal documentation. 

• Demonstrated leadership skills. 

• Proven ability to maintain a forward-looking view of portfolio risk and proactively identify emerging credit issues. 

• Deep knowledge of commercial lending policies, regulatory requirements, and risk governance frameworks. 

• Strong communication, organizational, and analytical skills. 

• Proficiency with internal banking systems and Microsoft Office tools. 

At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.

Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner. 

Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting.  Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third.  Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.

Fifth Third Bank, National Association 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.