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Location: On site, Kingsport, TN
Summary
Develops new customer prospects and business with commercial clients, with the potential to manage a portfolio of commercial clients. Makes and services a wide variety of business and individual loans to build long-term and profitable customer relationships in order to maximize portfolio revenue growth and asset quality. Manages the moderately complex to complex accounts.
Key Responsibilities Include
Maintains a client portfolio for the bank
Expand existing client relationships which generate incremental revenue for the bank
Develop new client relationships which generate acceptable returns for the bank
Work with the Management and Underwriters to analyze the credit strengths and weaknesses of prospective borrowers and make loan decision recommendations
Work with Management to make recommendations on loan pricing which are competitive with the marketplace and achieve an acceptable return for the bank
Work with Management to structure loans (term, covenants, collateral, guarantees, etc.) which appropriately protects the bank
Work with Management to recognize client needs and matching the bank's capabilities to meet these needs
Work with Management on loan structure, pricing, and other product/services for clients
Maintain a thorough knowledge of bank's lending policies and regulatory requirements
Provide mentoring and training to other bank associates
Maintain proper house-holding of relationships
Continually upload financial information and client detail into central repository throughout the underwriting process
Gather financials for new and renewal opportunities with clients
Prepare Opportunity Memos (with Management) as needed for new and renewal requests to initiate underwriting process
Work directly with the underwriter to ensure accurate reflection of financials
Work directly with the underwriter to ensure accurate preparation of Loss Given Default, Probability of default and Risk Adjusted Return on Capital models at time of new/renew requests
Coordinate deal team meetings between Relationship Manager, Market President, Senior Credit Officer, and Underwriter
CRM and Under Writer work together to appropriately ensure accuracy of underwriting package
Create/Prepare term sheets, with Management supervision
Finalize term sheets to meet client and bank needs
Engage underwriting to update results of term sheet accordingly and as needed to be reviewed by deal team
May assist International Operations manager with the daily activities of the department and specialize in Letters of Credit
Builds and maintains a portfolio mix of targeted high value and high potential clients
Acts as a financial advisor by educating the customer about financial strategies (e.g. Financial planning, investments, insurance, credit, market trends) based on customer profile and financial plan, and matching customer needs with appropriate products and services. Monitors customer information/products, financial plan and market trends to identify new customer needs and opportunities to deliver further customer value
Work with Manager to coordinate credit decision with Market President, Senior Credit Officer, Executive Credit Officer, Chief Credit Officer and Chief Operations Officer. Create/Prepare Commitment Letter with Management supervision
Finalize any required conditions precedent as needed to ensure Loan Closing has all items needed
Responsible for reviewing closing documents
Responsible for communication with client
Identifies portfolio weaknesses and trends and alerts management (Group Manager, Market President, Senior Credit Officer) to deteriorating portfolio conditions
Ensure receipt of all financial and covenant requirements of client relationships, managing exceptions as dictated by policy
Annual Review of client relationships as dictated by policy
Annual Risk Rating of client relationships as dictated by policy. This role is responsible for completing of Loss Given Default and Probability of default models for on-going annual portfolio management
Ensures client adherence to covenants with review of calculations, key provisions, and recommendations according to policy
Performs all other duties as assigned
Qualifications Include
Bachelor (4-year college) degree 2-4 years of experience or equivalent combination of education and experience
Microsoft Office suite
About UsFirst Horizon is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. With $81.7 billion in assets as of December 31, 2023, we serve clients through a team of approximately ~7,300 associates and ~418 banking centers throughout the southeastern United States. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. 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.
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
Corporate Diversity Commitment:
We remain committed to creating a more equitable society, and that starts with our associates, our clients, and the communities we serve. We do this by elevating equity, providing capital and counsel, and committing to excellence in everything we do.
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Full Time
Banking
$68k-91k (estimate)
01/29/2024
07/24/2024
firsthorizon.com
MEMPHIS, TN
3,000 - 7,500
1864
Public
D BRYAN JORDAN
$3B - $5B
Banking
First Horizon is a provider of personal and commercial financial services including banking, mortgage, investment, credit card and insurance.
The job skills required for Commercial Relationship Manager include Financial Services, Commitment, Client Relationship, Customer Relationship, etc. Having related job skills and expertise will give you an advantage when applying to be a Commercial Relationship Manager. That makes you unique and can impact how much salary you can get paid. Below are job openings related to skills required by Commercial Relationship Manager. Select any job title you are interested in and start to search job requirements.
The following is the career advancement route for Commercial Relationship Manager positions, which can be used as a reference in future career path planning. As a Commercial Relationship Manager, it can be promoted into senior positions as a SB Financial Services Relationship Manager II that are expected to handle more key tasks, people in this role will get a higher salary paid than an ordinary Commercial Relationship Manager. You can explore the career advancement for a Commercial Relationship Manager below and select your interested title to get hiring information.