First Horizon Bank

Compensation

Full Description

Location: Onsite at location listed in posting Summary: The Portfolio Manager assists in the assessment of risk and management of the Bank’s loan portfolio by providing analytical and credit oversight and is responsible for underwriting new loans, annual reviews, renewals, loan covenant compliance reviews and financial collection within assigned loan portfolio. Partners with Relationship Managers to grow and develop a high quality and profitable loan portfolio. Key Responsibilities: • Evaluates pertinent information to determine risk rating and whether a prospect and/or existing credit is an acceptable risk; identifies credit risk trends at the customer and portfolio level; notifies the portfolio management team leader, senior credit officer and commercial line manager of risks on a timely basis. • Partners with Relationship Managers to: • Meet with current and prospective clients to understand the specific customer requirements and needs. • Collect appropriate financial data and information to ensure an accurate risk assessment and thorough underwriting. • Answer client questions; ensure all data is accurate for loan underwriting. • Analyze global cash flow for restaurant, fitness and convenience and gas prospects, borrowers and guarantors to identify financial condition, profitability, repayment ability, operating trends, financial support of credit and other various financial indicators for enterprise value and real estate related credit requests within established policy, guidelines, and turnaround times. • Prepares all required financial spreads, Credit Presentation Sheets, Narrative, Relationship Summary, and prepares packages for approval on all new and existing credits. • Assist in the structure of new loans and renewals. • Coordinates closing and booking events. • Monitors industry trends and analyzes specific industry trend data to identify potential areas of risk. • Completes loan covenant compliance and annual loan reviews and review findings. • Completes, passes and maintains an up-to-date status for all positional and company required compliance and regulatory courses by assigned due date(s). • Performs all other duties as assigned Qualifications Include: • Bachelors Degree in business, accounting, or finance • At least 5 years of commercial credit experience required (as credit analyst, underwriter, portfolio manager or similar position) • Microsoft Office suite About Us First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com. Benefit Highlights • Medical with wellness incentives, dental, and vision • HSA with company match • Maternity and parental leave • Tuition reimbursement • Mentor program • 401(k) with 6% match • More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits Follow Us Facebook X formerly Twitter LinkedIn Instagram YouTube