Senior Credit Officer

First Horizon; Greater London; On-site; GBP 74,000 - 98,000; Full time

Job summary

A leading regional financial services company seeks a Senior Credit Officer to evaluate and manage credit requests in the West Region. The role involves reviewing credit packages, ensuring compliance with policies, and mentoring team members. The ideal candidate should have over ten years of experience in commercial banking, excellent communication and analytical skills, and a background in credit risk management. This role is based on-site in Houston or Dallas, TX and requires travel to client locations.

Benefits

Medical with wellness incentives

401(k) with 6% match

Tuition reimbursement

Maternity and parental leave

Mentor program

Qualifications

• 10+ years in commercial banking or related field with expertise in commercial loan structuring.
• Experience in underwriting and credit risk management is preferred.
• Excellent organizational and customer service skills.

Responsibilities

• Review and evaluate credit packages and make recommendations.
• Ensure compliance with credit policies and asset quality objectives.
• Coach and mentor portfolio managers and credit analysts.

Skills

Commercial loan structuring

Credit risk management

Analytical abilities

Relationship building

Excellent communication skills

Tools

Applicable computer software

Job description

Location: On site in Houston, TX and Dallas, TX

Job Description

This position serves as a Senior Credit Officer for C&I credit requests to Commercial and Private Client borrowers in the West Region (markets located in Texas, primarily Houston and Dallas/Ft. Worth). This position evaluates credit requests for existing borrowers and prospective clients, reviews annual analyses, identifies potential and emerging credit risks, and performs proactive portfolio management through ongoing monitoring. Some travel to call on clients/prospects with the line is required.

Duties and Responsibilities

• Review credit packages, assist in structuring, and decision requests for existing borrowers and prospects. Provide recommendations and feedback to the line teams regarding specific loan requests as well as overall portfolio management. Evaluate existing borrower and prospective credit requests within established standards.
• Ensure that analyses accurately present credit risks, policy exceptions, regulatory compliance, and appropriate loan grading.
• Ensure all asset quality objectives are met and processes and procedures are in compliance with the company’s policies, practices, and regulatory requirements. Communicate results and any potential issues to both line and credit leadership.
• Manage existing portfolio relationships within established risk parameters and servicing requirements.
• Make recommendations of credit authority of line personnel and periodically review credit authority usage.
• Provide coaching, mentoring, and training to portfolio managers and credit analysts throughout the lending and approval process. Assist line management in the evaluation of the line personnel and help to identify training needs.
• Participate in internal loan review, audit and regulator examinations, and forecasting of asset quality indicators to top management.
• Contribute to the development and maintenance of First Horizon’s credit culture.
• Contribute to the establishment and review of credit policies.
• Demonstrate proficiency in content, interpretation and application of credit policy and awareness of and appropriate actions with regard to applicable laws and regulations.

Job Requirements

• Ten years or more in commercial banking or related field with demonstrated expertise in structuring commercial loans
• Underwriting experience is required; previous credit risk management experience is preferred.
• Possesses an understanding of the current business environment, demonstrated knowledge of credit policy, and analytical abilities
• Goal and production oriented
• Excellent relationship building skills; collaborative work style
• Proficient with applicable computer software
• Excellent written and oral communication skills
• Excellent organizational and customer service skills
• Travel required, primarily to and from the markets mentioned above
• Position will be located in Houston, Dallas, or Ft. Worth and will be in office with the teams supported.

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

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.