CREDIT REVIEW OFFICER SR

First Horizon Corp.; Charlotte (NC); On-site; USD 120,000 - 150,000; Full time

Job summary

First Horizon Corp. seeks a Commercial Credit Review Officer-Loan Review to assess portfolio quality and credit risk management within the bank's centralized lending group and regional markets.

The Sr CRO leads examinations, ensures policy compliance, and collaborates with risk partners to influence sound risk practices. The role requires extensive experience, effective leadership, and strong communication, with mentoring responsibilities and a focus on professional development within CAS

Qualifications

• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
• Bachelor (4-year college) degree; Master’s degree preferred.
• 10 to 15 years commercial credit review related experience
• Excellent oral and written communication skills

Responsibilities

• Perform credit reviews of complex commercial relationships across portfolio segments.
• Lead examinations, including planning, field work, communication, and reporting.
• Monitor portfolio quality and credit risk management practices.
• Identify emerging risks from review trends, portfolio, industry, and economic information.
• Identify key issues, determine root causes, and recommend corrective action.
• Validate management success in addressing key issues identified by CAS and regulators.

Skills

Communication skills

Microsoft Office

Education

Bachelor's degree

Master’s degree preferred

Tools

Microsoft Office Suite

Job description

The Commercial Credit Review Officer-Loan Review, is responsible for evaluating portfolio quality and credit risk management practices within the commercial bank’s centralized lending group, regional markets, and specialty business lines while ensuring compliance with bank policy, strategy, and risk appetite. The Sr CRO typically reports to a Credit Review Manager and is expected to operate independently, following Credit Assurance Services (CAS) policy and procedures to perform essential responsibilities and positively influence a sound credit risk management environment. They are highly experienced, exhibit leadership, communicate effectively, able to manage multiple, complex reviews or projects, and expected to adhere with all organizational and ethical standards.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Perform credit reviews of complex commercial relationships across various portfolio segments, including asset-based lending, asset/equipment finance, commercial real estate, corporate banking, correspondent banking, franchise finance, energy, healthcare, mortgage warehouse, and music/sports/entertainment.

  • Lead examinations, including planning, field work, communication, and reporting.

  • Monitor commercial units, assessing portfolio quality and credit risk management practices.

  • Identify emerging risks from review trends, portfolio, industry, and economic information, and frequent interaction with Line and Credit Risk partners.

  • Identify key issues, determine root causes, recommend corrective action, and collaborate with respective commercial units and/or management to ensure satisfactory resolution.

  • Validate management success in addressing key issues identified by CAS and regulators.

  • Complete assigned departmental reporting, special projects, and quality control reviews.

  • Provide mentoring/training to other CAS Commercial Review team members.

  • Pursue professional development opportunities and complete required training.

  • The Commercial Credit Review Officer, Sr (Sr CRO)- Loan Review is responsible for evaluating portfolio quality and credit risk management practices within the commercial bank’s centralized lending group, regional markets, and specialty business lines while ensuring compliance with bank policy, strategy, and risk appetite. The Sr CRO typically reports to a Credit Review Manager and is expected to operate independently, following Credit Assurance Services (CAS) policy and procedures to perform essential responsibilities and positively influence a sound credit risk management environment. They are highly experienced, exhibit leadership, communicate effectively, able to manage multiple, complex reviews or projects, and expected to adhere with all organizational and ethical standards.

SUPERVISORY RESPONSIBILITIES

• No direct supervisory responsibilities; the position does require effective oversight of staff member activities during examinations or special projects and the ability to mentor/train new or less experienced team members.

QUALIFICATIONS

• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are generally representative of the knowledge, skills, and/or abilities required in this position:

  • Bachelor (4-year college) degree; Master’s degree preferred

  • 10 to 15 years commercial credit review related experience

  • Excellent oral and written communication skills

COMPUTER AND OFFICE EQUIPMENT SKILLS

• Microsoft Office suite

CERTIFICATES, LICENSES, REGISTRATIONS (Ex: CPA, Series 6 or 7 license, etc)

• None required.