Commercial Middle Market Leadership Program

Fifth Third Bank; Costa Mesa (CA); On-site; USD 48,000 - 96,000; Full time

Job summary

Fifth Third Bank offers a Commercial Middle Market Leadership Program with hands-on rotations through key departments supporting the Middle Market. You will learn operations and risk management while working toward a permanent role in sales or credit.

Candidates rotate regionally, complete formal trainings, and participate in an incentive plan aligned with performance. Total base pay ranges from $48,100 to $96,200 annually, reflecting geographic and role-based factors.

Qualifications

• Four-year undergraduate degree in Finance or Accounting.
• Internships and co‑op experience in finance or banking.
• Excellent verbal and written communication skills.
• Strong analytical and problem‑solving abilities.

Responsibilities

• Complete underwriting process with oversight in rotations.
• Assess credit risk via financial statement and cash flow analysis.
• Update financial covenants as needed.
• Run PD model with oversight.
• Prepare client materials using PowerPoint, Excel, Word.

Skills

Analytical skills

Strong communication

Team player

Multitasking

MS Office proficient

Education

Bachelors in Finance or Accounting

Relevant internships / co-op experience

Tools

PowerPoint

Excel

Word

Job description

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:

Performs a variety of assigned duties and special projects within the defined framework of a management-training program involving hands‑on rotations through key departments supporting Middle Market for assigned region. Becomes familiar with the business practices, operations, and procedures in each department rotation, acquiring the knowledge, skills, and experience required for assuming a permanent role (sales or credit) in a Commercial department.

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 behaviours 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.

DUTIES AND RESPONSIBILITIES:

• Can complete underwriting process with some revision / oversight (by the end of the 1st rotation)
• Demonstrate ability to assess credit risk using financial statement analysis, cash flow analysis, industry analysis, collateral analysis, guarantor analysis and loan structure analysis
• Accountable for updating financial covenants as needed
• Run Probability of Default (PD) model with oversight
• Partner with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical tasks as needed
• Responsible for understanding and evaluating completed spreads to determine necessary edits
• Responsible for identifying and recommending preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight
• Create client presentation materials using PowerPoint, Excel, Word
• Utilize Dealpoint Profitability Analyzer to assess the client relationship and determine RAROC value.
• Assist in identifying and qualifying prospects with Relationship Manager
• Partner with Relationship Managers, performing projects or analytical tasks as needed
• Draft initial deal screen / opportunity memos.
• Build an extensive network of contacts within Commercial and supporting divisions.
• Attend formal training classes, complete all assigned eLearning courses and participate in extensive self-learning.
• Perform other duties as assigned

SUPERVISORY RESPONSIBILITIES:

None

KNOWLEDGE & SKILLS REQUIRED:

• Four-year undergraduate degree in Finance or Accounting
• Relevant internships and co‑op program experience
• Outstanding verbal and written communication skills
• Strong analytical skills
• Ability to work in a team environment
• Ability to multi‑task and to be flexible
• Must be proficient with Microsoft office products, such as Word, Excel, PowerPoint
• Ability to demonstrate initiative

Location / Travel:

Candidates will be required to complete rotations in assigned region with travel throughout the Bancorp footprint based on business need.

Commercial Middle Market Leadership Program

Total Base Pay Range 48,100.00 - 96,200.00 USD Annual

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 – Cincinnati, Ohio 45202

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.