GENERAL FUNCTION: Establish and manage a team
dedicated to supporting the business lines'' buy, sell or hold
strategies. Ensure decisions are information based and supported
with both internal and external. Develop, implement and monitor
credit insurance growth, ensuring risk/reward is maximized. Provide
various venues to support strong communication both vertically and
horizontally across the consumer business lines.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
* Identify portfolio optimization strategies to work with
internal/external secondary marketing groups and Fifth Third
Capital Markets to identify/execute profitable off-balance-sheet
transactions while ensuring continued on-balance-sheet quality
remains intact. Utilize/develop sophisticated modeling to forecast
and identify potential high-risk pools within Fifth Third Bank
Consumer Portfolio. Make senior level buy, sell, hold
* Analyze through-the-door originations for performance based on
multiple granular meaningful striations. Identify all product
performance with respect to expected delinquency and loss curves
making guideline changes to effectuate secondary marketing quality.
Make recommendations to Quality Control for use in monthly reviews
based on rank order areas of Risk.
* Review complex scorecard guideline challenges both operationally
and materially to ensure proper risk mitigating factors are in
place to align with corporate risk initiatives as well as business
unit growth strategies.
* Provide corporate executive level portfolio reporting and
forecasting to ensure accurate business planning processes maximize
the consumer portfolio risk/reward.
* Provide leadership for new initiatives that will support future
business line growth strategies.
* Develop, implement and maintain credit protection insurance
programs in support of loan production growth with limited
* Various strategic projects as directed by Chief Consumer Credit
SUPERVISORY RESPONSIBILITIES: Manages a team of credit
professionals providing constructive feedback and stretch
assignments. Develops talent pool to provide succession planning.
Recognizes and rewards employees. Directs and manages regular staff
meeting or other venues to facilitate communication.