Equipment Finance Representative - Central Region

Fifth Third Bank, N.A. • Chicago, IL • 15h ago

Make banking a Fifth Third better®

We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.

GENERAL FUNCTION:

Solicits, develops, and manages credit relations with new and current leasing customers within defined territories and products. May refer more difficult transactions to Manager or senior representatives for assistance. Actively pursues additional technical knowledge through available training courses and on-the-job training.

The role is 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:

Initiates contacts for developing new sources of business. Cultivates and maintains relationships with numerous sources of new business. Arranges personal meetings with prospects to explain leasing services, rates, and terms of lease agreements.

Interviews prospective lessees to develop background information to determine acceptable credit risk. Communicates subsequent investigation results to lessees and initiates lease contract formation where applicable.

Coordinates the appraisal of equipment to be leased with departmental staff to determine acceptable structure, pricing, tax, and residual risks, ensuring that necessary documentation is complete and accurate. Ensures collateral is evaluated within standard practices.

Prepares market competitive and internally profitable lease quotes by researching market rates, proposing acceptable lease structures, maximizing the use of tax benefits, and insuring sufficient company profitability.

Works closely with tax and legal specialists to ensure that lease contracts comply with applicable laws and regulations.

SUPERVISORY RESPONSIBILITIES: None

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

Bachelor's or Master's in Business (e.g. Business Administration, Finance, Accounting) or equivalent work experience preferred.

Minimum of 3 years in equipment finance or commercial banking that ideally includes sales experience.

Knowledge of commercial lending credit policies and guidelines.

Understanding of corporate business structure and legal documents.

Local / Regional market dynamics understanding is preferred, but not required.

Ability to build new and existing client business translating to increased revenue and provide a positive client experience.

Proficient knowledge of financial and risk analysis with strong business acumen, to include detailed analysis, review of financial statements and understanding of accounting principles.

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 clients business and personal financial goals.

Demonstrates strong verbal and written communication skills, with particular emphasis on some experience in face-to-face negotiations and group presentation skills.

Ability to work in a team-based sales environment.

Demonstrated experience using effective problem solving and analytical skills with ability to handle and prioritize multiple tasks.

Proficient in all Microsoft Office software.

Travel required, long term flexibility in work location preferred

All the above duties and responsibilities are essential job functions for which reasonable accommodation will be made. All job requirements listed indicate the minimum level of knowledge, skills and/or ability deemed necessary to perform the job proficiently. This position description is not to be construed as an exhaustive statement of duties, responsibilities or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodation.

At Fifth Third Bank, we understand the importance of rewarding our employees for their hard work and dedication, therefore, our Total Rewards offering includes a differentiated compensation package and comprehensive benefits.

Benefits:

Our benefits programs are designed to support the health, happiness, and financial well-being of our employees and their families. Your benefits will include access to comprehensive medical, dental, and vision coverage, a 401(k) plan and employee stock purchase plan that both offer a generous employer match, flexible paid time off, comprehensive leave programs, and unique benefits to support your overall mental and physical wellness. For additional details, please contact your recruiter.

Compensation:

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the US. 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.

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