Senior Middle Market Credit Lead
Fifth Third Bank
San Diego, California
Full-Time
Competitive
OfficeManager
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GENERAL FUNCTION:
The Senior Credit Lead is accountable for active portfoliomanagementleadership, team development, and credit risk oversight across a Regional orIndustry alignedportfolio within Credit Solutions, combining deep credit expertise with strong leadership capabilities toset strategic portfolio direction,effectively manage escalations, partner strategically with Banking and Credit Risk stakeholders, and execute portfolio strategy with discipline. The role requires maintaining aforward-lookingview of risk, proactively identifying emerging credit issues and industry trends, and acting decisively to protect asset quality, while serving as a trusted advisor to Banking partners, Credit Risk, and Senior Management and fostering a strong risk culture anchored in consistently high standards of credit judgment and execution.
Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for doing the right thing for customers andcolleagues andensuring that actions and behaviors drive a positive customer experience. Whileoperatingwithin the Bank’s risk appetite,achievesresults by consistentlyidentifying, assessing, managing, monitoring, and reporting risks of all types.
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ESSENTIAL DUTIES AND RESPONSIBILITIES:
Maintainanenterprise levelview of portfolio riskwithownership of portfolio themes and risk outcomesacross a Regional or Industry portfolio, ensuring proactive, disciplined portfolio management.
Act as the primarypoint of escalationforcomplex,higher risk, or sensitive creditsituationsand lead resolution and risk decisioning in partnership withsenior stakeholders.
Partner with Banking leadership (Regional Presidents, Group Heads, or Coverage Leaders) to understand business strategy, growthobjectives, and pipeline dynamics.
Review deal structures, assess borrower viability, and advise on term sheets
Maintain aforward-looking, independent assessment of borrower and portfolio creditworthiness, including early identification of emerging risks.
Drivecredit excellence metrics, including asset quality, policy adherence, underwriting quality, risk rating accuracy, problem loan identification, andtimelyremediation of issues.
Ensure consistent application of credit policy, underwriting standards, and portfolio management practices across teams.
Lead portfolio reviews, risk discussions, and escalationswith Credit Risk, Credit Risk Review, and Senior Management.
Oversee portfolio reporting and ensure delivery of clear, actionable insights and recommendations to senior stakeholders.
Engage with clients and prospects as needed, particularly in complexor escalated credit situations.
Establish workflow priorities and resource alignment to support effective execution across deal and portfolio activities.
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.
SUPERVISORY RESPONSIBILITY:
Includesthe directand indirect supervision and direction of the day-to-day activities ofCredit Solutions professionals. Responsible for providing employees withtimely, candid, and constructive performancefeedback. Develop employees to their fullest potential andprovidechallenging opportunities that enhance employee career growth. Developtheappropriate talentpool to ensure adequate bench strength and succession planning. Recognize and reward employees foraccomplishments.
MINIMUM KNOWLEDGE,SKILLSAND ABILITIES REQUIRED:
Bachelor’s degree in Business, Finance, Accounting, or related fieldrequired; advanced degree preferred.
Minimum of10years of experienceincommercial credit, portfolio management, underwriting, or credit risk leadership.
Advancedexpertisein commercial credit underwriting, structuring, portfolio management, and legal documentation.
Demonstrated experience leading and developinghigh performingcredit teams.
Proven ability tomaintainaforward-lookingview of portfolio risk and proactivelyidentifyemerging credit issues.
Deep knowledge of commercial lending policies, regulatory requirements, and risk governance frameworks.
Strong communicationand influence skills across senior internal stakeholders.
Excellent analytical, organizational, anddecision makingcapabilities, including comfortoperatingin complex or ambiguous environments.
Proficiencywith 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.
LOCATION -- San Diego, California 92130Attention 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.