Business Banking Relationship Manager II

First-Horizon-Bank; Chattanooga (TN); On-site; USD 110,000 - 160,000; Full time

Job summary

First Horizon Bank is seeking a relationship manager for business banking in the United States. You will grow and manage a portfolio of high-value clients (revenue $5MM–$30MM) and act as a trusted financial advisor, delivering customized credit and banking solutions through close collaboration with internal specialists.

You will lead client conversations, structure loans, and monitor portfolio risk while aiming to exceed growth and retention goals in a community-focused role.

Qualifications

• Experience managing a high-value business client portfolio.
• Strong understanding of credit and lending products.
• Ability to collaborate with Credit, Treasury Management and specialty banking teams.

Responsibilities

• Grow a portfolio of high-value clients by deepening relationships and acquiring new ones.
• Act as trusted advisor by understanding each client’s financial goals and needs.
• Recommend and deliver customized banking solutions in partnership with internal specialists.
• Lead client conversations with credit knowledge and structure banking solutions.
• Collaborate with cross-functional partners to deliver an integrated client experience.
• Coordinate loan structuring, pricing, underwriting and closing documentation with the relationship team.
• Drive growth through deposits, loans and fee income while meeting sales targets.
• Maintain community presence to generate referrals and strengthen local relationships.
• Stay informed on market trends affecting clients and monitor portfolio risk.
• Ensure compliance with regulatory requirements and internal policies.

Skills

Relationship management

Credit knowledge

Client advisory

Portfolio management

Cross-functional collaboration

Tools

CRM software

Job description

Location: Located at listed posting.

Summary

Develop new customer prospects and business with business banking clients, with the potential to manage and maintain a portfolio of business banking clients (revenue size: $5MM – $30MM). Offer a wide variety of business loans, deposits, other banking products, and services to build long-term and profitable customer relationships. Ensure credit quality and risks are identified in client portfolio as well as maintaining profitable growth.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Manage and grow a portfolio of high-value clients by deepening existing relationships and acquiring new ones through proactive outreach and client-focused solutions.
• Serve as a trusted financial advisor by thoroughly understanding each client’s financial situation, goals, and needs.
• Recommend and deliver customized solutions, including credit, deposits, and other products, partnering with internal specialists.
• Lead client conversations with credit knowledge and structure credit and banking solutions.
• Collaborate with cross-functional partners - including Credit, Treasury Management, and specialty banking team partners - to deliver an integrated client experience.
• Work closely with relationship team on loan structure, pricing, underwriting & closing documentation, and ongoing portfolio management needs.
• Drive growth through deposits, loans, and fee income; meet or exceed sales and client retention goals.
• Maintain a strong presence in the community to generate referrals and build new client relationships and help make our local communities stronger.
• Stay informed on economic, legal, and market trends impacting clients, acting as a resource to clients.
• Monitor and manage client portfolios for changes in financial status, product needs, and risk exposure.
• Ensure compliance with regulatory requirements, credit policies and other internal policies, completing required training on time.
• Act as a peer mentor and culture champion, modeling team-based collaboration and First Horizon values.

• Perform all other duties as assigned.