Commercial Equipment Finance Representative IV

Fifth Third; Phoenix (AZ); On-site; USD 120,000 - 170,000; Full time

Job summary

Fifth Third Bank in Phoenix, AZ seeks a Commercial Equipment Finance Representative IV to develop and manage complex lease relationships with major clients. You will initiate new business, assess credit risk, coordinate asset appraisals, and structure tax-efficient lease transactions that meet client needs and firm profitability.

Responsibilities include maintaining key account relationships, negotiating terms, and collaborating with tax and legal teams to ensure compliance.

Qualifications

• Bachelor's degree preferred; 7+ years in finance/leasing sourcing, developing, and closing lease transactions.
• Excellent organizational and proactive marketing skills.
• Ability to build and maintain relationships with lessors and senior management.
• Polished sales, marketing, and presentation skills with strong communication.
• Strong financial analysis skills including cash flow, balance sheet, and P&L effects of leasing (FASB 13).
• Experience with pricing, market research, and structuring lease transactions.
• Proficiency with word processing and spreadsheet software; HP12C/HP17B calculators knowledge.

Responsibilities

• Initiates contacts for developing new sources of business and cultivates relationships.
• Interviews prospective lessees to assess credit risk and discusses lease terms.
• Coordinates equipment appraisal with staff to determine structure, pricing, tax, and residual risk.
• Prepares market-competitive lease quotes and maximizes profitability.
• Structures and designs lease transactions tailored to client needs from start to close.
• Manages ongoing client relationships and monitors market dynamics.
• Works with tax and legal to ensure lease compliance.
• Assumes additional responsibilities as assigned.

Skills

Finance leasing experience

Relationship building

Sales and presentation

Communication skills

Financial analysis

FASB 13 knowledge

Microsoft Office

Pricing software

Self-starter

Organizational skills

Education

Bachelor's degree

Tools

Pricing software

Excel

MS Office

Job description

## Commercial Equipment Finance Representative IVApplylocations: Phoenix, AZ: Denver, COtime type: Full timeposted on: Posted Todaytime left to apply: End Date: September 30, 2026 (30+ days left to apply)job requisition id: R71435**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 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 Representative IVAt 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 -- Phoenix, Arizona 85012Attention 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.