Commercial Portfolio Manager II
2012-01-31 10:23:03
GENERAL FUNCTION: Provide support to relationship managers, with medium to large portfolios that have moderate to complex degree of difficulty, in their daily duties in underwriting and monitoring credit, existing and proposed credit requests, providing high level customer service support, assisting in cross sell effort and performing special projects for the department manager. Prepares documentation required for the processing of loans, reviews status of existing loans, takes appropriate action on loans that are mature or past due, and assists relationship managers in loan closings. ESSENTIAL DUTIES & RESPONSIBILITIES: * Supports the Department Manager, Team Leader, and/or Relationship Managers in their sales and credit underwriting efforts including industry and company research, Blue memo preparation and assisting in the sales proposal process, including accompanying the Relationship Managers on customer and prospect calls, and various other sales/customer oriented projects. * Completes all requirements of loan bookings, to include all preparation, review, documentation and filing. * Develops a working knowledge of all customers, businesses, and prospect opportunities. * Responsible for all loan document preparation, including third party document coordination, completion and review. * Collects and reviews all required collateral information. * Reviews current account status, to include but not limited to, Past Due accounts and Notes Matured. Makes appropriate recommendations for these accounts. * Supports the Relationship Manager in monitoring on n on-going basis information concerning customer performance, abilities, and industry to determine that loan is an acceptable risk. This will consist of but not be limited to statement, covenant and insurance tracking, Dual Risk Rating updates, and Admin Loan Status Report updated and other commercial scorecard items. SUPERVISORY RESPONSIBILITIES: None ... Read more »
Sr. Quantitative Analyst/Credit Forecast
2012-01-31 10:23:03
GENERAL FUNCTION: General risk model development, validation and documentation. Primary focus will be on the development, selection and implementation of quantitative PD/LGD and Macro Economic models related to credit risk. Position emphasis will be on evaluating existing in house default and migration data and integrating external data relevant to the banks commercial risk portfolio. In addition, will participate in the identification and development of stress scenarios. ESSENTIAL DUTIES & RESPONSIBILITIES: * Quantitative Risk Modeling o Support implementation and validation of forecast models driven by PD, LGD, EAD and rating migrations, including, but not limited to Monte Carlo simulation models. o Recalibrate forecast model parameter estimates based on actual losses, default and delinquent migration analysis. o Perform regression analysis on loan level characteristics and economic data to evaluate the explanatory power of the predictions, migrations, and defaults for different parts of the commercial portfolio. o Analyze historical data on relevant external market data for C&I, Real Estate, SME and retail portfolios to get an understanding of their distribution to support loss forecast model calibration. o Validation, stress testing and documentation of loss forecast models and assumptions. o Collaborate with and assist other quantitative modelers in the group in their modeling work. * General Risk Management Improvements o Keep abreast of industry best practice standards for credit risk measurement. o Assist in benchmarking portfolio characteristics to other institutions. o Leverage analytic capabilities in overall decision making and risk identification. o Reach across departments and functions of the Bank in order to complete assignments on time, and review with senior management. o Support ad-hoc Line of Business requests for quantitative modeling of potential new businesses, and impact of improved underwriting and credit monitoring services. * Other projects and tasks as assigned by the Manager of Risk Strategies and Reporting. SUPERVISORY RESPONSIBILITIES: None ... Read more »
Consumer Credit Risk Database Admin
2012-01-31 10:23:03
Title-Consumer Credit Risk Database Admin GENERAL FUNCTION: The Database Administrator II is responsible for creating and maintaining databases, utilizing such tools as but not limited to SQL Server and Visual Studio .NET, for the Consumer Credit Risk Management department. This position is also responsible for generating reports and ensuring their accuracy as well as managing workflow in projects and testing software upgrades. ESSENTIAL DUTIES & RESPONSIBILITIES: · Responsible for development of moderate to intricate database systems utilizing a SQL Server back-end with a Visual Studio .Net user interface · Conducts benchmarking activities with underlying data to identify best practices within the department. · Makes recommendations for improvement and issue resolution to the Consumer Credit Risk Data Steward. · ... Read more »
2012-01-31 10:23:03
GENERAL FUNCTION: Ensures compliance with significant federal and state legal and regulatory requirements. Provides guidance on complex issues related to state and federal compliance regulations (i.e. Reg B, C, D, E, Q, DD, CC, M, U, X, Y, Z, HOEPA, and Predatory Lending). DUTIES & RESPONSIBILITIES: * Initiates and facilitates collaborative alliances with Affiliate and Line of Business leaders to develop and implement processes to ensure full compliance with federal and state rules and regulations. * Serves as expert compliance resource to Lines of Business. * Establishes and maintains appropriate advisory relationships with operational units. * Assists Line of Business Compliance to implement effective compliance program; provides oversight to the process, as appropriate. * Communicates status of compliance in various areas of the organization to senior management. * Serves on various task forces or discussion groups to address various compliance related issues. * Partners with the Training Department, to develop training and required continuing education programs as it relates to specific laws and regulations. * Partners with the Marketing Department to review brochures, market letters, statement stuffers, advertising and sales literature to ensure compliance. * Identifies weaknesses and makes recommendations to enhance program; assists in implementation where feasible. * Prepares comment letters, position statements, and Bancorp responses to proposed regulatory changes. * Maintains a cutting edge awareness of company goals, regulatory and legislative developments, and industry trends. * Assumes additional responsibilities and leads special projects as assigned. SUPERVISORY RESPONSIBILITIES: None ... Read more »
Sr. Quant Analyst Model Risk Management
2012-01-31 10:23:03
GENERAL FUNCTION: This person will provide support to the Enterprise Risk Management Division and the Bancorp for the coordination of validation and management of models (i.e., Credit Risk, Interest Rate Risk, Market Risk). Responsibilities will include identifying and coordinating validation of any models used within the bank, through statistical analysis (KS, Goodness of Fit, etc), and/or code walk-through. Will work with the Model Risk Management Group and the Line of Business, and support the Model Validation Committee to address any outstanding issues with the development, implementation, and usage of the models. Work with the model owners to ensure that all changes to the models are tested and documented. ESSENTIAL DUTIES & RESPONSIBILITIES: * Model Risk Management: o Validation, stress testing and documentation of bank models and assumptions. o Analyze and backtest models to insure soundness and validity of models. o Communicate to senior managers in lines of business the need for and results of model validations. o Work with the LOB to identify any modeling errors or oversights and the ways to address these errors. o Work with the Model Validation Council in its attempt to develop rules and oversee the usage of the models and any arising issues within the bank. o Ensure that all model validation policies and procedures are updated over time. o Develop relationships within appropriate levels of management for issue identification and resolution. o Receive feedback on models from owners and communicate with the Model Validation Council on issue resolution progress. o Communicate data quality and completeness concerns to model owners. o Work proficiently with various in-house systems, mainframe, windows, Unix, Business Objects, and SAS. o Develop automated solutions to routine validations in order to gain efficiencies in the validation process. o Leverage analytic capabilities in overall decision making and risk identification. * General Risk Management Improvements: o Keep abreast of industry best practice standards for model validation. o Serve as point of contact for Line of Business audits and regulatory examinations of model validations. o Other projects/tasks as assigned by the Director of Risk Strategies and Reporting. SUPERVISORY RESPONSIBILITIES: May need to supervise staff from time to time. ... Read more »
Quantitative Risk Analyst – Capital Markets Risk
2012-01-31 10:23:03
Title: Quantitative Risk Analyst – Capital Markets Risk Management GENERAL FUNCTION: The QRA will be a member of the Capital Markets Risk Management team, responsible for daily interaction with its risk systems for investments, derivatives, ALM, residential mortgage pipeline and MSR’s. The QRA will also support execution of the bank’s strategic plans to expand and enhance its risk systems and their associated analytical and reporting capabilities. DUTIES & RESPONSIBILITIES: · Perform verification and back-testing of valuations, risk metrics, stress tests and scenario analyses of investments, derivatives, ALM, funding and residential mortgage pipeline/MSR’s · Design, develop, implement and upgrade risk system queries and reports · Timely and accurate production of existing risk system queries and reports · Retrieve, organize and manipulate internal and external data required to achieve optimal risk systems performance · &nbs ... Read more »
Dir Enterprise Fraud Prevention & Strategy
2012-01-31 10:23:03
GENERAL FUNCTION: Design, implement, and oversee the BancorpÆs fraud prevention, detection, and strategy programs for all products including Consumer Lending, Bankcard, Deposit and Internal fraud. Responsible for managing teams of fraud analysts and third party vendors to drive a ROI based detection strategy. Responsible for leading the development, enhancement, and implementation of fraud strategies to proactively address current fraud risks and emerging industry trends. Maintain active involvement within the industry and partner with line of business decision makers to support new product initiatives and modify strategies/processes to address fraud risk while maintain a positive customer experience. Incumbent will have a comprehensive understanding of fraud detection techniques, an in-depth understanding of regulatory requirements, and an ability to identify and manage risk from a global perspective. ESSENTIAL DUTIES AND RESPONSIBILITIES: * Develop and implement fraud reduction strategies at an enterprise level to ensure the bank proactively addresses changes in fraud trends and emerging fraud threats. * Be actively engaged in line of business initiatives and provide expertise from a fraud risk management perspective on new product or initiative offerings. * Define and execute overall fraud and Line of Business governance processes. * Define fraud strategy framework and develop prevention and detection operational programs to combat fraud. * Responsible for establishing and managing to key performance goals and the ongoing development of metrics and reporting used to continuously monitor staff performance. * Responsible for measuring system effectiveness based on fraud losses and identifying and implementing system tuning and queuing enhancements to improve detection percentages and reduce false positives. Works with internal and external management teams to identify risk factors and trends of fraudulent activity and effect change with respect to coordinating policy and procedure changes related to fraud prevention across the enterprise. * Interacts with bank examiners and/or internal auditors during Bank Protection related reviews. Addresses and corrects issues raised in audits and exams. * Maintains leadership roles within industry organizations and integrate industry best practices into Fifth Third processes. * Identifies gaps in systems and workflow, and researches internal/vendor solutions. Develops business cases based on ROI. Oversees tool selection process, training, and implementation as part of a cross-functional project team. Oversees loss deconstruction review and oversees enhancements to processes, workflows, and technical solutions, resulting from review. * Monitors developments related to rule/regulatory changes with respect to fraud issues and implements process changes as appropriate. * Assumes additional responsibilities and leads special projects as assigned. SUPERVISORY RESPONSIBILITIES: Responsible for providing employees timely, candid and constructive performance feedback; developing employees to their fullest potential and provide challenging opportunities that enhance employee career growth; developing the appropriate talent pool to ensure adequate bench strength and succession planning; recognizing and rewarding employees for accomplishments. ... Read more »
2012-01-31 10:23:03
GENERAL FUNCTION: Assist Compliance Risk Evaluation and Assurance Manager in the management of the Bank's General Banking compliance program. Responsible for monitoring and assessment of Line of Business compliance with Federal and State Bank regulations. Must have in-depth understanding of General Banking Compliance requirements as well as an understanding Bank products and operations. ESSENTIAL DUTIES & RESPONSIBILITIES: * Responsible for assisting the Compliance Risk Evaluation and Assurance Manager with the overall management of the Bank's compliance program. * Conduct Line of Business and Affiliate compliance monitoring and assessment. * Prepare standardized compliance reporting and trending reports. * Serve as a resource for Affiliate and Line of Business leaders to address compliance issues. * Provide analysis and reporting of affiliate personnel and their adherence to the Bank's compliance program. * Assume additional responsibilities and leads special projects as assigned. SUPERVISORY RESPONSIBILITIES: None ... Read more »
Commercial Portfolio Manager II
2012-01-31 10:23:03
GENERAL FUNCTION: Provide support to relationship managers, with medium to large portfolios that have moderate to complex degree of difficulty, in their daily duties in underwriting and monitoring credit, existing and proposed credit requests, providing high level customer service support, assisting in cross sell effort and performing special projects for the department manager. Prepares documentation required for the processing of loans, reviews status of existing loans, takes appropriate action on loans that are mature or past due, and assists relationship managers in loan closings. ESSENTIAL DUTIES & RESPONSIBILITIES: * Supports the Department Manager, Team Leader, and/or Relationship Managers in their sales and credit underwriting efforts including industry and company research, Blue memo preparation and assisting in the sales proposal process, including accompanying the Relationship Managers on customer and prospect calls, and various other sales/customer oriented projects. * Completes all requirements of loan bookings, to include all preparation, review, documentation and filing. * Develops a working knowledge of all customers, businesses, and prospect opportunities. * Responsible for all loan document preparation, including third party document coordination, completion and review. * Collects and reviews all required collateral information. * Reviews current account status, to include but not limited to, Past Due accounts and Notes Matured. Makes appropriate recommendations for these accounts. * Supports the Relationship Manager in monitoring on n on-going basis information concerning customer performance, abilities, and industry to determine that loan is an acceptable risk. This will consist of but not be limited to statement, covenant and insurance tracking, Dual Risk Rating updates, and Admin Loan Status Report updated and other commercial scorecard items. SUPERVISORY RESPONSIBILITIES: None ... Read more »
Model Process Governance Analyst
2012-01-31 10:23:03
GENERAL FUNCTION: This person will be responsible for the ongoing support of the Model Risk Management program within the Enterprise Risk Management Division of the Bancorp. Responsibilities will include, but are not limited to, coordinating any model validation needs, maintaining the model inventory, reviewing results of audits and regulatory reviews to verify source system data integrity. This person will work with the LOB to ensure that controls are in place for security, disaster recovery, and backup of the models. Work with the Director of Model Risk Management and the Quantitative Validation Analysts to ensure that all necessary steps are completed for the validation process. ESSENTIAL DUTIES & RESPONSIBILITIES: * Demonstrate ability to initiate tasks, manage multiple tasks and roles, and meet deadlines. * Desire and ability to learn the basics of Risk Management areas (Credit Risk, Market Risk, and Operational Risk). * Meet with constituents regarding new models in development or just implemented. * Maintain Model Inventory and ensure model risk rating and like information are current. * Collect and maintain all supporting model documentation from model owners. * Review results of audit and regulatory reviews to verify source system data integrity. * Work with Lines of Business to verify controls (DR, Security, Backup). * Collect evidence of ongoing monitoring by model owners/users. * Maintain the Model Issue Tracking Database. * Non-voting member of the Model Risk Management Council, attend meetings and prepare updates for the Capital Committee. * Compile reports (including findings of the quantitative analysts). * Other projects/tasks as assigned by the Director of Risk Strategies and Reporting. SUPERVISORY RESPONSIBILITIES: May need to supervise staff from time to time. ... Read more »
2012-01-31 10:23:03
GENERAL FUNCTION: Plan, develop, and implement the Retail Division's Operational Risk Framework including Sarbanes Oxley, self-assessments, Business Continuity and Key Risk Indicators (KRI's). Additional responsibilities will be to measure losses and exposures, conduct root cause analysis and drive change where necessary. ESSENTIAL DUTIES & RESPONSIBILITIES: * Implement the Operational Risk Management Framework in the Retail Line of Business. o Combine self-assessment best practices with requirements of Sarbanes - Oxley and FDICIA so that the business lines have one risk assessment process that integrates business and regulatory needs. o Implement self-assessment program. o Develop Key Risk Indicators and service standards. o Be a consultant to the business line to perform root cause analysis and drive process improvements. * Facilitate all Audit and Regulatory examinations involving the Retail Division, ensuring appropriate interaction, response, and reaction to audit/regulatory comments. * Design, implement and manage the Division's Business Continuity Plan, including the Banking Center Incident Response Guide. Maintain key contacts across lines of business to ensure consistency in BCP process. * Design effective and efficient process surrounding System Security Roles, and Authorities. Develop the policy and procedures surrounding the assignment, approval and assessment of roles and authorities. * Represent the Retail Division in Privacy Breaches, Card Compromises, and phishing schemes against the Bank. * Identify cost savings and/or revenue enhancement ideas. * Drive special projects as assigned by Management. SUPERVISORY RESPONSIBILITIES: None ... Read more »
2012-01-31 10:23:03
GENERAL FUNCTION: Review and decision small business loan applications, in a centralized environment, for commercial credits up to $250K. Provide continued support to Banking Center personnel relating to the communication of loan decisions and financial analysis. ESSENTIAL DUTIES & RESPONSIBILITIES: Underwriting * Responsible for spreading financial statements based on information provided in the loan package. * 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. * Identify and review all necessary due diligence items. * Assist Documentation Specialist, if needed, with the following: o Loan documents - ordering and review. o Preparation of the Loan Closing Settlement Statement. o Preparation of loan closing checklist. Administrative * Effectively communicate loan decision to loan originator. * Negotiate terms & conditions of loan with originator. * Provide the necessary coaching of Banking Center staff, to enhance the understanding of the small business customer. * Identify and communicate cross-sell opportunities discovered during the underwriting process. * Trains department employees. * Miscellaneous job duties as assigned. SUPERVISORY RESPONSIBILITIES: None ... Read more »
Sba Express Eligibility Coordinator
2012-01-31 10:23:03
GENERAL FUNCTION: Review and decision small business loan applications, in a centralized environment, for commercial credits up to $250,000. Provide continued support to Banking Center personnel relating to the communication of loan decisions and financial analysis. Serves as an administrative liaison for Federal SBA Lending programs throughout the bank, by coordinating the processing of SBA loan applications processed by the BLC. Coordinates the packaging, closing and reporting of SBA loan production by the BLC. Assures the adherence to the policies and procedures of the SBA. Maintain strong relationships with all local SBA districts, BBG Representatives, Commercial Loan Officers, Retail Banking Center Managers as well as, existing and new customers. Prepares and maintains reporting on SBA loan activity. DUTIES & RESPONSIBILITIES: Underwriting * Responsible for spreading financial statements based on information provided in the loan package. * Provide loan decisions and/or credit recommendations based on a review of all underwriting criteria, including loan structure, collateral, interest rate, and fees. * Coordinates the initial submission of the Application to the respective loan agencies (SBA). * Reviews and evaluates loan packet information for accuracy and SBA eligibility. * Effectively communicate loan decision to loan originator. * Identify and review all necessary due diligence items. * Assist Documentation Specialist, if needed, with the following: * Loan documents - ordering and review. * Preparation of the Loan Closing Settlement Statement. * Preparation of loan closing checklist. Administrative * Effectively communicate loan decision to loan originator. * Negotiate terms & conditions of loan with originator. * Provide the necessary coaching of Banking Center staff to enhance the understanding of the small business customer. * Identify and communicate cross-sell opportunities discovered during the underwriting process. * Trains department employees. * Miscellaneous job duties as assigned. SUPERVISORY RESPONSIBILITIES: None ... Read more »
2012-01-31 10:23:03
GENERAL FUNCTION: Responsible for overseeing effective implementation of the BancorpÆs operational risk management program across multiple lines of business or a single, complex line of business, ensuring that operational risks are identified, assessed, monitored, managed and reported in accordance with the Enterprise Risk Management Framework. ESSENTIAL DUTIES AND RESPONSIBILITIES: * Act as primary point of contact for operational risk across the line(s) of business. * Communicate ERM standards for operational risk management to the line(s) of business, including roles and responsibilities of the lines for identifying, monitoring, assessing, reporting and managing operational risks. * Provide guidance to line managers in identifying the root causes of specific operational events/losses and internal and external exam issues, and establishing measurements that identify when issues are reoccurring. * Assist the line(s) of business by maintaining key risk measurements in the Fitch system. * Follow up on action plans developed by the line(s) to address control gaps, to ensure that they are adequate and completed on a timely basis. * Assist businesses in managing operational risk by providing informed, practical recommendations for reducing operational risk. * Assist in collecting operational loss event data for the assigned area(s), in accordance with documented standards and procedures. * Provide ongoing review of the content of operational risk and control self assessments maintained by lines of business to ensure that assessments are consistent with definitions, external risk trends, operational loss experience, key operational risk indicators, and internal and external exam results. Review line of business and support function business continuity plans. * Coordinate with line of business staff to ensure requirements related to compliance with Sarbanes Oxley are met. * Maintain knowledge of the organization, policies, processes and objectives within the assigned area. * Participate in meetings with regulators to understand operational risk issues and their potential impact on the business line. * Work with the line(s) and Sourcing Governance to manage the Outside Service Provider program. * Assess the adequacy of business line policies and procedures related to operational risk management. * Other duties and projects as assigned. SUPERVISORY RESPONSIBILITIES: None. ... Read more »
Quantitative RAROC Analyst - Credit Risk
2012-01-31 10:23:03
The focus of this role will be on the enhancement of the risk adjusted return on capital (RAROC) profitability framework, while providing support on an as-needed basis for the Economic Capital modeling work. This will include development and help with the implementation of cash-flow models for new types of financial instruments not yet included in the existing RAROC framework, and development of RAROC/profitability analyses with the purpose of optimizing the risk-return profile of the bank’s Commercial portfolio. In addition, this position will work with the Consumer Risk team to ensure the continued alignment of the fundamental assumptions used in the RAROC/pricing models they develop with the bank’s overall profitability modeling assumptions. DUTIES AND RESPONSIBILITIES: · Develop and implement cash flow models for Commercial financial instruments not yet covered in the current RAROC framework. · Collaborate with Commercial Portfolio Management, Market Risk and Treasury to recommend optimization and/or credit hedging strategies and estimate their impact on the target portfolio (or sub-portfolio) · Work with the RAROC software application provider to ensure that all the methodological and modeling assumptions are correctly implemented in the customized vended solution · Maintain and complete model documentation around all the components of the RAROC calculation. · Be actively involved in the enhancement of the economic capital allocation methodology for all the Commercial transactions, providing a de facto liaison between the Economic Capital team and the profitability team ... Read more »
2012-01-31 10:23:03
GENERAL FUNCTION: Underwrite and approve (or reject) complex business banking SBA loan requests for both new and existing credit relationships with aggregate exposure up to $1 Million. Provide support to SBA specialists, business banking relationship managers and business development officers relating to credit analysis, the communication of loan decisions and credit monitoring / portfolio reviews. ESSENTIAL DUTIES & RESPONSIBILITIES: * Provide loan decisions / recommendations based on a review of all necessary underwriting criteria for more complex loans/relationships. * Effectively communicate loan request decisions to business banking relationship managers and business development officers. * Provide second review of credit requests for SBA Credit Underwriter I. * Responsible for reviewing and spreading financial statements based on information provided in the loan request submission package. * Determine if the loan requests meets SBA eligibility requirements. * Collect and review all required collateral information. * Identify and communicate cross-sell opportunities discovered during the underwriting process. * Negotiate terms and conditions of credit requests with business banking relationship managers & business development officers. * Responsible for preparing Portfolio Review Reports and Administrative Loan Status Reports. * Maintain a working knowledge of Bancorp credit policies, guidelines and procedures. * Maintain a working knowledge of SBA SOPÆs and Regulations. * Responsible for performing Borrowing Entity PD Ratings and Obligation LGD Ratings. * Miscellaneous job duties as needed. SUPERVISORY RESPONSIBILITIES: None ... Read more »
Customer Service Representative
2012-01-31 10:23:03
GENERAL FUNCTION: Provide excellent customer care to customers regarding daily transactions, addressing inquiries, and problem resolution, in accordance with Fifth Third Bank policies. Refer customers to the appropriate business partner for products and services uncovered during business interactions and/or conversations. ESSENTIAL DUTIES & RESPONSIBILITIES: Customer Service A. Promote good customer relations by consistently providing premier customer satisfaction with a friendly demeanor, can-do attitude, and willingness to help at all times. B. Have a developed rapport with the customer base, greet by/use name, have knowledge of account ownership, be responsive and timely with correspondence and problem resolution, and display a caring attitude. C. Act with confidence by answering or finding the answers to customer questions and finding solutions to customer issues. D. Maintain a position of trust and responsibility by keeping all customer business confidential. E. Follow the Bancorp Code of Business Conduct and Ethics and other related policies, maintaining ethical behavior at all times. Bank Operations/Transactions A. Perform daily office responsibilities, working with the Customer Services Manager, to maintain the efficient operation of the office. B. Maintain personally a balancing record that is in line with policy and have the ability to find and correct outages and to enlist help as needed for more difficult errors. C. Maintain knowledge of the bank policies and financial center procedures, and take responsibility to keep up to date on any changes. D. Handle consumer and business customer problems with professionalism, directing more complex issues seamlessly to the Customer Services Manager, or other management as necessary. E. Demonstrate sound judgment in decision making, abiding appropriately to established guidelines and procedures. Referrals A. Consistently meet or exceed sales referrals as set by management. B. Continuously increase knowledge and skills through self-motivation, formal education, seminars and in-house training. C. Maintain a well-developed working knowledge of the complete line of products and services offered, taking responsibility to keep up to date and request assistance for further development needs. D. Initiate conversations to uncover customer needs and be capable of effectively referring customers to business partners for the selling and cross-selling bank products and services to customers, so that personal and Bank goals are consistently met and/or exceeded. SUPERVISORY RESPONSIBILITIES: N/A ... Read more »
2012-01-31 10:23:03
GENERAL FUNCTION: Responsible for the day-to-day management and operation of the BankÆs Canadian Branch. Oversees and insures adherence to the BankÆs policies and procedures for a number of Relationship Managers and support staff. Responsible for managing the bankÆs relationship with a portfolio of bank customers including the review and underwriting of credit requests, insuring the appropriateness and satisfaction level of existing services provided, and cross selling appropriate bank services. Additional responsibilities include the development and maintenance of a sales pipeline used to solicit bank services to non-customers. ESSENTIAL DUTIES & RESPONSIBILITIES: * Help develop and ensure compliance with the policies and procedures that have been established for the operation of the Canadian Branch. This includes the responsibility for the primary relationships with OSFI and Auditors as well as involvement in the ongoing review and development of policies and procedures. * Manage a team of Canadian based lnternational Relationship Managers and associated support staff. * Actively market and sell commercial banking products to pre-defined target market in Canada. * Devise and execute plans to achieve individual and team goals to include new relationships, DDAÆs, loan balances, referrals and fee income. * Personally maintain a portfolio of the larger and more complex relationships. * Responsible for credit approvals and the maintenance of the portfolio per the BankÆs policies. * Assist in the hiring of staff members for the Canadian Branch. * Develop and maintain relationships with economic development agencies and various multipliers to generate new business opportunities. * Assist in the coordination of relationship management and business development efforts with the affiliates throughout the Bancorp. * Actively develop opportunities to refer ôSouthboundö business to the appropriate bank partners in the US. * Recommend and develop new business opportunities in the Canadian market. SUPERVISORY RESPONSIBILITIES: Responsible for providing employees timely, candid and constructive performance feedback; developing employees to their fullest potential and provide challenging opportunities that enhance employee career growth; developing the appropriate talent pool to ensure adequate bench strength and succession planning; recognizing and rewarding employees for accomplishments. ... Read more »
Sr. Treasury Mgmt. Product Mgr/Commercial Card
2012-01-31 10:23:03
GENERAL FUNCTION: Key leadership position responsible for Bancorp product sales growth and continued development and enhancement of treasury management / depository products. Responsible for product financial management inclusive of revenue forecasting, margin analysis and pricing strategy. Continued management and support of existing products, new product development, in-depth knowledge of products, and support of sales initiatives through product training and joint customer calls. Development of customer education and customer focus programs for new and existing product initiatives. Perform role of liaison between several areas of the bank, including Sales, Operations, IT, Legal, Audit, Legal, and Risk. Identification of risk associated with product lines and contribution to process development and management to minimize risk. Support of delivery by contributing to the definition of quality control standards and work process procedures. Works under minimal supervision. Rarely requires feedback or guidance on product plans. ESSENTIAL DUTIES & RESPONSIBILITIES: SEE ACTUAL JOB DESCRIPTION FOR ALL DUTIES & RESPONSIBILITIES Drive Bancorp Sales for Product(s) within the Product Line (Payables, Receivables, Liquidity, Channel, HealthCare) Cross-trained in all functions within group Increase Bancorp Product Sales and Revenue Growth year over year Actively participate in Client/Prospect Calls Implement and Track Product Blitz/Campaigns Perform business forecasting and modeling Generate Qualified Lead List (cross-sell, new prospects, etc.) Subject Matter Expert (SME) for all Products within the Product Group Team Track Sales and Revenue Growth Present at Industry Conferences Conduct Client Seminars Product Development and Enhancement Develop Strategy Plan and Product Plan to Meet Revenue and Market Share Goals Identify and Prioritize Product development Opportunities Deploy Products to Market w/in Time Frame and Budget Established Pricing, Profitability, Packaging, Promotion and Margin Management Provide Product/Sales Consultative Role on Projects Product Introduction to Market Vendor Selection and Relations; Contract Negotiations (Business partners DP & Ops) Market Research and Analysis Maintain and enhance knowledge, current and evolving concepts, practices, processes, laws/regulations, and technologies in financial management Conduct Market Segment Studies - Product Development (Steering & Advisory) Understand and Analyze Competition in all Affiliate Markets Perform market forecasting Understand Buying Habits and Characteristics of Clients Peer Group Analysis and Discussions User Group Participation and Leadership Attend User and Vendor Conferences Internal Communication w/Affiliates Visits affiliates independently Product Announcements Sales Forums and Roundtable Discussions Development and distribution of Sales Tools Product Agreements Quality Surveys Set market delivery expectation of quality and timeliness factors. Establish agreed upon quality indicators with Operations for product delivery Monitor product performance against established quality factors Identification of l Quality Service Issues Follow-up on Progress of Resolution for Quality Service Issues ... Read more »
Business Banking Sales Process Leader
2012-01-31 10:23:03
GENERAL FUNCTION: Senior leadership role responsible for driving execution of Business Banking initiatives across the footprint. Ensure successful execution of the sales process, including aspects related to the CRM system. Partner with LOB leaders and Affiliate President/Leaders to design, develop, and implement innovative sales programs and consistent processes. ESSENTIAL DUTIES AND RESPONSIBILITIES: * Develop and ensure delivery of a consistent Sales Management process; provide coaching and support at the Team Lead level and above. * Partner with Affiliate President to identify strong sales coaches (e.g. people developer, cultivators of talent, strong employee engagement, proven results achieved through others) at the Team Lead and above level to act as mentors/coaches for other sales managers across Business Banking. * Drive and manage execution of strategic initiatives; create a feedback loop to ensure the ability for the Business Banking line of business to make adjustments as appropriate. * Drive consistent execution of the Business Banking sales process (i.e., Sales Playbook) across the footprint; regularly test the use and effectiveness of the process and effect improvements in both, as needed. * Serve as conduit between affiliates and Segment Leader to ensure the appropriate level of resources and support. * Drive a rigorous portfolio review process in partnership with Credit and SAG aimed at identifying an accurate review of risk in existing portfolios and ensuring accurate forecasting. * Identify opportunities for and drive process improvement, efficiency and consistency. * Manage the CRM function including analysis of appropriate use and implement process improvements that result in maximization of new acquisition and cross sell opportunities as well as solidifying the Affiliate forecasting process. * Drive the pipeline management process for affiliate production. * Act as a liaison with the affiliates and ensure a two-way dialogue resulting in constructive interdependence between national Business Banking and the affiliates. * Develop strong relationships with Credit and Product Specialist colleagues to allow for effective execution and problem resolution. * Collaborate with the affiliate Business Banking Executives on their local strategic plans; Leverage best practices. * Lead planning for field meetings (e.g. Business Banking sales playbook meetings). * Participate in the affiliate recruiting and selection process for key jobs, providing candidate referrals and interview candidates at the Team Lead level and above. * Facilitate effective engagement of national Business Banking resources based on market opportunity in each affiliate. * Drive a rigorous process aimed at following through on affiliate opportunities within segments in partnership with Segment Leader. * Closely coordinate with other national resources for the affiliates (e.g., Treasury Management, SBA, Segment Leader, etc.). SUPERVISORY RESPONSIBILITIES: Responsible for providing employees timely, candid and constructive performance feedback; developing employees to their fullest potential and providing challenging opportunities that enhance employee career growth; identifying and developing the appropriate talent pool to ensure adequate bench strength and succession planning; recognizing and rewarding employees for accomplishments. ... Read more »