GENERAL FUNCTION: The Portfolio Manager II is responsible for managing a portfolio of commercial loans and underwriting transactions. This position is accountable for the ongoing review and analysis of financial statements and proactive portfolio monitoring to ensure a comprehensive understanding of borrower performance and risk profile. The Portfolio Manager II partners closely with Relationship Managers and Credit Risk throughout the deal lifecycle. Responsibilities include covenant structuring and analysis, collateral evaluation, risk rating assessment, and the preparation of sound, well-supported credit recommendations. The Portfolio Manager II is expected to be anticipatory, forward-focused, independent, transparent, and collaborative in the identification, communication, and management of risk. 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:

• Maintain an independent current and forward-looking view on the creditworthiness of each client and communicate this view to business and risk partners.

• Perform monitoring actions; conduct periodic deal reviews; and execute decisions to renew or modify deals.

• Work closely with Credit Risk and Relationship Managers to actively manage the bank's exposure to the clients in the portfolio.

• Analyze historical financials and projections to ensure accurate risk ratings, early identification of emerging credit problems, and articulation of industry trends.

• Manage underwriting, approval and documentation process for transactions which may include new money, loan extensions, amendments, waivers and ancillary products, including treasury management, FX, interest rate derivatives, and commodity exposure.

• Review and recommend credit decisions; perform final risk rating analysis; provide business partners with credit lending policy interpretation.

• Ensure compliance with internal policies and regulatory guidelines.

• Actively involved in the recruiting, training, and mentoring of junior team members to enhance their skills and performance.

• Meet with prospects / clients as needed.

• Create and deliver comprehensive portfolio performance reports and presentations for senior management, offering strategic insights and high-level recommendations.

• Ensure the highest standards of accuracy and integrity in system records and electronic files, supporting advanced compliance and data governance initiatives.

SUPERVISORY RESPONSIBILITY: Role may be responsible for providing other employees, typically credit analysts, 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. MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

• Bachelor's degree in Finance, Business Administration, or related field.

• Minimum of 6 years of experience in portfolio management, commercial banking, or related discipline.

• Strong understanding of accounting, credit analysis, portfolio management, structuring, underwriting, and legal documentation

• Strong analytical skills and critical thinking skills.

• Strong verbal and written communication skills.

• Professional presence (client-facing).

• Strong interpersonal and communication skills with the ability to collaborate effectively with business and risk partners

• Expertise in financial and risk analysis, including financial modeling.

• Demonstrated expertise in using effective problem solving.

• Proficient in technology and ability to learn new applications.

• Ability to manage multiple projects and meet deadlines.

Commercial Portfolio Manager II 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 -- Detroit, Michigan 48226 Attention 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.