Matthew Gearhart

Senior Vice President, Commercial Banking Relationship Manager @Fifth Third Bank

Greenville, SC, US

Relationship Management:• Build and maintain strong relationships with commercial clients, understanding their financial goals and identifying opportunities to provide value-added banking services.• Conduct thorough financial analysis of client\'s financial statements, cash flow projections, and industry trends to assess credit risk and determine appropriate lending solutions.• Collaborate with cross-functional teams to deliver exceptional customer service, resolve client inquiries, and provide expert financial advice.• Proactively identify and pursue new business opportunities, including referrals and networking, to expand the client base and drive revenue growth.• Stay informed about market conditions, economic trends, and industry developments to anticipate client needs and provide relevant financial solutions.Credit Risk Assessment:• Evaluate credit risk for commercial loan applications by analyzing financial statements, cash flow projections, and collateral value to assess creditworthiness and determine appropriate loan structures.• Prepare credit memoranda, including risk assessments, loan pricing, and terms for credit committee review, ensuring compliance with bank policies and regulatory requirements.• Monitor credit exposures and proactively manage credit risk, including regular reviews of client financials, monitoring of covenants, and timely identification of potential issues or deteriorating credit quality.Financial Advisory:• Provide expert financial advice to commercial clients, including cash management, working capital optimization, and treasury management solutions.• Collaborate with internal and external stakeholders to provide comprehensive financial solutions that align with client\'s financial goals and objectives.• Stay up-to-date on industry trends, market conditions, and regulatory changes to provide timely and relevant financial advice to clients.

The University of Montana - School of Business Administration

Bachelor of Science (B.S.)