CCL Loss Mitigation Commercial Manager II

First Horizon Bank; Memphis (TN); On-site; USD 150,000 - 230,000; Full time

Benefits offered by this job

Medical with wellness incentives

HSA with company match

Maternity and parental leave

Tuition reimbursement

Mentor program

401(k) with 6% match

Job summary

First Horizon Bank seeks an experienced leader to head the Centralized Commercial Lending team, focusing on loss mitigation, SBA portfolio management, and credit decision support. You will guide underwriting, assess risk, and partner with managers to optimize loan structures.

Ideal candidates bring a decade-plus of commercial credit expertise, strong analytical ability, and a collaborative leadership style suited to a high-demand financial services environment.

Qualifications

• Bachelor’s degree required for consideration.
• Managerial experience preferred.
• At least ten years of commercial credit experience preferred.
• Fundamental understanding of commercial credit underwriting.
• Ability to interact with all levels of staff and management.
• Ability to work successfully in a deadline driven team environment.
• Strong MS Office skills, especially with Excel.
• Must be organized and meticulous with the ability to multitask.
• Good written and oral communication skills.
• Good fundamental understanding of general bank operations, products, and related financial services.

Responsibilities

• Lead and motivate a team within the Centralized Commercial Lending group.
• Inspire and guide employees to achieve objectives.
• Distribute work effectively and ensure accountability.
• Conduct performance reviews and provide feedback.
• Monitor past due loans and identify downgrade risks in the portfolio.
• Participate in deal team meetings with Relationship Managers and Senior Credit Officers.
• Coach staff on underwriting decisions and financial analysis; apply bank policy and culture.
• Review and analyze data to determine credit worthiness of loan requests.
• Recommend loan structuring alternatives.
• Work on special credit topics and projects as needed by management.
• Maintain compliance with BSA/Know Your Customer procedures and internal policies.

Skills

Leadership

Credit underwriting

Financial analysis

Communication

Team building

Mentoring

Prioritization

Problem solving

Education

Bachelor's degree

Tools

MS Office

Excel

Job description

Location : Onsite on location listed on posting

Summary

This opportunity is within our Centralized Commercial Lending team, leading the Loss Mitigation and SBA PM Group. This position will be responsible for identifying trends and alerting management to changes in portfolio conditions. Partners with relationship managers to finalize credit package terms, workout structures and independently prioritizes requests. Additional duties are managing the SBA Portfolio Management Team, which includes managing and monitoring the health of the SBA Portfolio, ensuring compliance with SBA regulations, and approving servicing requests.

Key Responsibilities Include:

• Leading and motivating a team

• Inspiring and guiding employees to achieve objectives.

• Distributing work effectively and ensuring accountability.

• Conducting performance reviews and assessments. Evaluating employee performance and providing feedback.

• Monitor past due loans within the CCL portfolio and identify potential downgrade situations.

• Participate in deal team meetings between Relationship Managers, Market Presidents and Senior Credit Officers as required.

• Coach and mentor staff, provides guidance and direction on underwriting decisions, and offers expertise in financial and industry analysis, along with a strong knowledge of First Horizon Credit Culture and Commercial Loan Policy.

• Review, analyze and evaluate financial and pertinent data to determine credit worthiness of loan prospects and merits of specific loan requests. Collaborate with Relationship Managers, leaders, and Business Development Officers to gather all necessary information to present an accurate and complete assessment of the loan presented. On occasion, interact with clients or representatives virtually or in person calls in conjunction with Relationship Manager on larger credits.

• Ability to provide recommendations on loan structuring and alternative structures that may be more appropriate for the transaction.

• Work independently on special projects related to credit topics and issues as requested by CCL Department Management.

• Support the Bank's strong relationship banking culture through on-going internal partner contact, quality customer service, and superior product knowledge. Understand and adhere to the Bank's Bank Secrecy Act policy and procedures and "know your customer/enhanced due diligence" guidelines. Brings any suspicious activity to the attention of a supervisor, or the Bank Secrecy Act Officer. Follow all Bank policies and procedures to ensure compliance with all laws and regulations.

Supervisory Responsibilities:

Directly responsible for directing, coordinating, and evaluating certain personnel in accordance with the organization's policies and applicable laws. Responsibilities may include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; providing pay change recommendations; disciplining employees; addressing complaints and resolving problems.

Qualifications Include:

• Bachelor’s degree required for consideration.

• Managerial experience preferred but not required.

• At least ten years of commercial credit experience preferred.

• Fundamental understanding of commercial credit underwriting.

• Ability to interact with all levels of staff and management.

• Ability to work successfully in a deadline driven team environment.

• Strong MS Office skills, especially with Excel.

• Must be organized and meticulous with the ability to multitask.

• Good written and oral communication skills.

• Good fundamental understanding of general bank operations, proficient understanding of the components of financial planning, deposit products, small business products, investment, and insurance products.

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 atwww.FirstHorizon.com (https://urldefense.com/v3/__https:/www.firsthorizon.com/__;!!Cz2fjcuE!hpq9hPnrucZCPIAVPojVESItIq-FPzhurNdCrQ3JE8Rkx3gMd70nIk6_kmPxl66_oJCEsXs0gNunPowMAMHCmBYPOtUxUGI$).

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

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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

Job Identification: 1437

Job Category: Support

Job Schedule: Full time

Degree Level: Bachelor's Degree