Job Description

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The Community Development Lending Director II is responsible for originating commercial real estate (primarily LIHTC affordable housing) loans that qualify for CRA across the banks footprint. Work closely with 5/3CDC to leverage LIHTC & NMTC equity investments to win lending and deposit opportunities. Responsible for profitable business development and monitor the quality of an existing portfolio of affordable housing loans within a specific geographic area.This position is the most senior level individual contributor focused on relationship management. Individuals in this position are highly skilled, vastly experienced Community Development/Commercial Real Estate relationship managers, with significant experience originating Low Income Housing Tax Credit affordable housing loans and New Market Tax Credit loans, capable of independent activity including origination, structure, and execution of large complex Commercial Real Estate transactions. Responsible for achieving CRA lending goals plus developing revenue growth through generation of LIHTC/NMTC loans, deposits, and cross-selling bank services to existing customer base. . Services include financing and depository products related to real estate investments, income property, development, construction, etc.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

* Develop and maintain important client relationships

* Produces and maintains profitable LIHTC and NMTC Commercial Real Estate loan volume, with primary responsibility for cross-sell, return generation, and First Line of Defense.

* Qualifies prospects and takes lead in the development of new business opportunities from those prospects and existing customer base.

* Insure that relationships are managed to achieve CRA lending goals while maintaining the profit potential for the Bank, develop profitable new business, cross-sell applicable 5/3 products and services an existing portfolio, and manage the sales process in a specific geographic area for commercial real estate loans.

* Assists in the development of new Commercial Real Estate Relationship Managers, Associates, and Analysts.

* Develop intimate knowledge of all customers and businesses.

* Develops good working relationships with peers and senior leaders in Community Development Lending and the rest of the organization.

* Underwrite credit requests and approve real estate loans within established lending limits or make recommendations on loans that require higher approval authority.

* Monitor, on an ongoing basis, information concerning customer performance, abilities, and industry to determine that loan is an acceptable risk.

* Ensure proper reporting, documentation, and review to determine that a loan is an acceptable risk.

* Identifies acceptable credit opportunities that have the potential of leading to significant non-credit sales.

* Responsible for the delivery of value-added financial solutions (ranging from traditional to customized products) to existing and prospective clients that will help them to enhance their business.

* Keep abreast of trends, developments and current regulations in the industry and in local markets.

* Coordinate all client-facing activities related to their clients, including credit support and other product areas (i.e. Treasury Management) partners

* Attend community and/or industry-specific forums, conferences and/or meetings in order to broaden relationship network and continually deepen knowledge of trends, practices, products and competitors.

* Participate in various community affairs and projects to promote the image of the Bank.

SUPERVISORY RESPONSIBILITIES:

* No direct reports, however incumbent may provide oversight and direction for Associates, Analysts and Commercial Leadership Program participants.

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

* Undergraduate degree required, graduate degree preferred.

* 8-10+ years of experience in Banking, Finance or related field.

* 4+ years of Community Development Real Estate Lending experience and sales management preferred. This position requires a strong understanding of the Low Income Housing Tax Credit and New Market Tax Credit programs.

* Formalized commercial credit training or equivalent credit experience required. Ability to structure complex financial situations that utilize tax credits and other incentives in the capital stack.

* Excellent interpersonal, written, and verbal communications, negotiation and analytical skills.

* Demonstrated sales and negotiation experience.

* Ability to handle and prioritize multiple tasks.

* Strong credit training required and underwriting skills preferred.

* Proven track record of success in working as a part of a team to originate, and close complex financial transactions.

* Ability to interact effectively with senior executives inside and outside our organization.

* Strong relationship building skills.

* Regional geographic responsibility in the Southeast with preference to locate position in Florida, Georgia, or North Carolina.

LI-SM1

Community Development Lending Director II

LOCATION -- Cincinnati, Ohio 45263

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.