Commercial Relationship Manager Sr

First Horizon Bank; Chattanooga (TN); On-site; USD 95,000 - 150,000; Full time

Job summary

First Horizon Bank seeks a senior commercial relationship manager in Tennessee to develop and manage a portfolio of high-value clients, offering loans, deposits, and other banking products to grow relationships.

You will collaborate with Credit, Treasury Management, and specialty banking teams to structure loans, optimize pricing, underwriting, and closing processes while maintaining credit quality and client satisfaction.

Qualifications

• Bachelor's degree required; 10+ years of experience or equivalent.
• Strong client relationship and sales skills.

Responsibilities

• Manage and grow a portfolio of high-value clients through proactive outreach and tailored solutions.
• Serve as a trusted financial advisor by understanding each client's goals and needs.
• Recommend and deliver customized credit, deposits, and other banking products with internal partners.
• Lead client conversations with advanced credit knowledge and structure complex solutions.
• Collaborate with Credit, Treasury Management, and specialty banking teams for integrated service.
• Work with the relationship team on loan structuring, pricing, underwriting, and closing.
• Drive growth through deposits, loans, and fee income while meeting sales and retention goals.
• Maintain a strong community presence to generate referrals and build relationships.
• Stay informed on economic and regulatory trends impacting clients.
• Ensure compliance with regulatory and internal policies; complete training on time.
• Act as a peer mentor and culture champion within the team.

Education

Bachelor's degree

Job description

Location: On site at location listed in job posting

Develop new customer prospects and business with commercial clients, with the potential to manage and maintain a portfolio of commercial clients. 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.

Key Responsibilities Include

• 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 advanced credit knowledge and structure complex 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.

Qualifications Include

• Bachelor (4-year college) degree, 10+ years of experience or equivalent combination of education and experience