Commercial Equipment Finance Rep IV - North Carolina

Fifth Third; Charlotte (NC); On-site; USD 110,000 - 150,000; Full time

Job summary

Fifth Third in Charlotte, NC is seeking a Commercial Equipment Finance Rep IV to develop and manage credit relationships with leasing customers. You will initiate new business, interview lessees, and coordinate appraisals, structuring leases that maximize profitability while meeting client needs.

Role requires a Bachelor's degree (MBA preferred) with 7+ years in finance/leasing, strong analytical and communication skills, and ability to work with tax/legal teams to ensure compliance.

Qualifications

• Bachelor's degree required; MBA preferred.
• 7+ years of experience with a finance/leasing company in sourcing, developing, and closing lease transactions.
• Excellent organizational skills.
• Independent self-starter and proactive marketer.
• Ability to build and maintain long-term relationships with lessors and senior management in region.
• Polished professional sales, marketing, and presentation skills.
• Excellent oral and written communication skills.
• Comprehensive financial analysis and financial selling skills (knowledge of FASB 13, cash flow, balance sheet, and P&L effects of leasing).
• Excellent working knowledge of word processing, spreadsheet, and pricing software.
• HP12C or HP17B calculator expertise.

Responsibilities

• Initiates contacts for developing new sources of business and maintains relationships with sources.
• Interviews prospective lessees to assess credit risk and initiates lease contracts.
• Coordinates appraisal of equipment to determine structure, pricing, tax, and residual risks.
• Prepares market-competitive, internally profitable lease quotes and ensures profitability.
• Structures and tailors lease transactions meeting customer needs from start to close.
• Manages ongoing client relationships and monitors market dynamics and competition.
• Collaborates with tax and legal specialists to ensure lease contracts comply with laws and regulations.

Skills

Excellent organizational skills

Independent self-starter

Relationship building

Sales & presentation

Communication skills

Financial analysis

Education

Bachelor's degree

MBA

Tools

Word processing

Spreadsheets

Pricing software

HP12C/HP17B calculator

Job description

## Commercial Equipment Finance Rep IV - North CarolinaApplylocations: Charlotte, NCtime type: Full timeposted on: Posted Todaytime left to apply: End Date: September 30, 2026 (30+ days left to apply)job requisition id: R66407**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. Is assigned the largest or most complex relationships. Provides assistance or training to lower level or new leasing representatives.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.* Structure, design, and propose viable lease transactions. Work with clients to tailor agreements that meet customer needs from the beginning of the deal to the close.* Manage customer relationships on an ongoing basis by monitoring and being proactive with respect to the changing dynamics of the market conditions and competition.* Works closely with tax and legal specialists to ensure that lease contracts comply with applicable laws and regulations.* Assumes additional responsibilities as assigned.MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:* Bachelor's degree required; MBA preferred.* 7+ years of experience with a finance/leasing company in sourcing, developing, and closing lease transactions.* Excellent organizational skills.* Independent self-starter and proactive marketer.* Ability to build and maintain long-term relationships with lessors and senior level management with appropriate companies in region.* Polished professional sales, marketing, and presentation skills. Excellent oral and written communication skills.* Comprehensive financial analysis and financial selling skills (knowledge of FASB 13, cash flow, balance sheet, and profit and loss effects of leasing).* Excellent working knowledge of word processing, spreadsheet, and pricing software. Expertise with the HP12C or HP17B calculator.Commercial Equipment Finance Rep IV - North CarolinaAt 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.Compensation for this position is largely incentive-based. Incentive compensation is combined with either a base salary or a draw to determine total cash compensation, and incentive compensation is based upon company, line of business and/or individual performance. More information can be obtained upon request.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 -- Charlotte, North Carolina 28202Attention 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.