FHNF CLIENT SPECIALIST

First Horizon Bank; Houston (TX); On-site; USD 60,000 - 85,000; 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 is seeking a GGL Safekeeping Specialist in Houston to support safekeeping and enhanced operations for SBA, COOF, and USDA loan products. You will manage receipts, advise on payments, and coordinate with lenders and Guidehouse to resolve issues.

The role demands strong analytical and communication skills, plus experience with loan reconciliations and Microsoft Office products. Hybrid or on-site options may apply.

Qualifications

• Four-year college degree in business or finance required.
• Five years of banking, financial, or securities supervisory experience.
• Excellent communication and customer service skills.
• Experience with loan reconciliations and safekeeping operations.
• Ability to resolve escalated issues with cross‑department coordination.

Responsibilities

• Coordinate safekeeping/enhanced operations with the team and manager.
• Provide enhanced servicing to clients safeguarding SBA GICs, SBA COOFs, and USDA loans.
• Issue, track, and maintain safekeeping receipt registry.
• Provide clients with debit/credit advices before payments like P&I, payoffs.
• Collect and disburse principal and interest payments timely per agreement.
• Ensure payments are accurate and borrowers are in good standing.
• Prepare monthly reports reflecting activity, holdings, and balances.
• Service products sold to holders/investors such as USDA and SBA loans.

Skills

Communication skills

Analytical skills

Self-starter

Customer service

Problem solving

Prioritization

Loan reconciliations

Microsoft Word

Microsoft Excel

Microsoft OneNote

Microsoft Outlook

Training capabilities

Education

4-year college degree in business or finance

Tools

Microsoft Word

Microsoft Excel

Microsoft OneNote

Microsoft Outlook

Job description

Job Description

Reporting Relationship:

The GGL Safekeeping Specialist reports to the GGL Safekeeping Manager.

Required Qualifications:

Excellent communication skills, including composition of letters, memos, or correspondence, strong analytical skills, self-starter, excellent customer service/problem solving skills, must prioritize tasks, experience with loan reconciliations, exceptional knowledge of Microsoft Professional Suite (Word, Excel, One Note and Outlook), and training capabilities. Capable of resolving escalated issues arising from safekeeping operations and requiring coordination with other departments to bring all issues to a final resolution.

Educational Level:

Degreed with four (4) years college education (business or finance), with five (5) years of banking, financial, or securities industry supervisory experience.

Details of duties:

Responsibilities include:

• Work with manager and team with coordination of all safekeeping/enhanced operations activities.
• Provide enhanced operations servicing to our FHN clients that safe-keep SBA GICs, SBA COOFs, and USDA guaranteed loans.
• Issue, track, and maintain safekeeping receipt registry.
• Provide clients with Debit/Credit Advices in advance of payments of P&I, payoffs, redemptions, etc. Advices will identify the specific loan/security, amount, date of payment or disposition. Payments/Credits will be affected via fed wire or ACH Credit.
• Collection and disbursement of principal and interest payments in a timely manner as identified in the terms and conditions of the FHN Financial Safekeeping Agreement.
• This position requires a degree of due diligence to ensure payments are accurate and borrowers are in good standing (current status). Loans payments remitted in error must be reconciled with lenders to bring balances and paid-to-dates in synch between lenders and investors.
• Provide specific reports / statements to our FHN clients on a monthly basis that will reflect all payment activity on all assets whereby payments are received by FHN Financial. Statements will reflect all holdings, activities, and balances.
• Provide servicing for products sold to FHN Holder/Investors such as USDA Loans, SBA Loans, and COOF’s.
• In the event of borrower payment delinquencies, this team will determine reason(s) for the delinquency and learn of plan to remedy such delinquency. All research must be properly documented on the respective FHN internal platform to properly our records/files.
• Work in tandem with the SBA’s Fiscal and Transfer Agent (currently Guidehouse, LLP) and individual lenders to determine loan status.
• Work on additional projects and assignments on an ongoing basis.

Customer Service Responsibilities And Problem-solving Skills Of The Position

The number one goal is to continuously utilize knowledge from the customer experience to improve efficiency and effectiveness.

Problem Solving Skills Required To Resolve The Following Issues

• Borrower deferment of payments.
• Borrower modifications to terms of promissory note (i.e., rate changes, maturity changes, payment amortization changes, etc.).
• Borrower default and the formal demand process.
• Borrower prepayments and any calculations of penalties that will be assessed and passed through to the respective holders/investors.
• Procedures to document any approved changes to the borrowers’ terms (sample forms will be created and presented for lender review ).

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

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