Middle Market Banker

First Horizon Bank; Charlotte (NC); On-site; USD 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a Commercial Relationship Manager to strengthen client relationships and drive revenue growth in commercial banking. This role involves nurturing connections with high-value organizations, analyzing credit risks, and providing tailored financial advice. You will collaborate with management and underwriters to ensure sound asset stewardship while delivering exceptional service. Join a respected financial services company that values community engagement and employee growth, offering a dynamic work environment where your contributions can make a significant impact on both clients and the organization.

Benefits

Medical with wellness incentives

Dental and vision insurance

HSA with company match

Maternity and parental leave

401(k) with company match

Qualifications

• Experience in client relationship management and financial analysis is crucial.
• Strong communication skills are essential for advising clients.

Responsibilities

• Expand client relationships to generate revenue and develop new clients.
• Analyze credit strengths and weaknesses of prospective borrowers.

Skills

Client Relationship Management

Financial Analysis

Risk Assessment

Communication Skills

Education

Bachelor's Degree or equivalent experience

Tools

Microsoft Outlook

Microsoft Word

Microsoft Excel

Job description

Commercial Relationship Managers are the client-facing key to our core business of commercial banking. You'll nurture banking relationships with high revenue generating organizations to help them achieve mutually beneficial business goals and strengthen our communities. CRMs service a wide variety of business and individual loans to build long-term and profitable customer relationships in order to maximize portfolio revenue growth and asset quality. The most successful individuals in this role are able to build on existing relationships, pursue new clients, and ensure we deliver the highest level of service while providing sound asset stewardship through a balance of risk and credit decisions.

Key Responsibilities Include

• Expand existing client relationships which generate incremental revenue for the bank while developing new client relationships which generate acceptable returns for the bank.
• Work with the Management and Underwriters to analyze the credit strengths and weaknesses of prospective borrowers and make loan decision recommendations, make recommendations on loan pricing which are competitive with the marketplace and achieve an acceptable return for the bank, and structure loans (term, covenants, collateral, guarantees, etc.) which appropriately protects the bank.
• Work with Management to recognize client needs and match the bank's capabilities to meet these needs.
• Maintain a thorough knowledge of the bank's lending policies and regulatory requirements.
• Maintain proper house-holding of relationships.
• Gather financials for new and renewal opportunities with clients.
• Prepare Opportunity Memos (with Management) as needed for new and renewal requests to initiate the underwriting process.
• Work directly with the underwriter to ensure accurate reflection of financials and to ensure accurate preparation of Loss Given Default, Probability of Default, and Risk Adjusted Return on Capital models at the time of new/renew requests.
• Coordinate deal team meetings between Relationship Manager, Market President, Senior Credit Officer, and Underwriter.
• Finalize term sheets to meet client and bank needs.
• Engage underwriting to update results of term sheet accordingly and as needed to be reviewed by deal team.
• Build and maintain a portfolio mix of targeted high value and high potential clients.
• Act as a financial advisor by educating the customer about financial strategies (Financial planning, investments, insurance, credit, market trends) based on customer profile and financial plan, and matching customer needs with appropriate products and services. Monitor customer information/products, financial plan, and market trends to identify new customer needs and opportunities to deliver further customer value.
• Work with Manager to coordinate credit decision with Market President, Senior Credit Officer, Executive Credit Officer, Chief Credit Officer, and Chief Operations Officer. Create/Prepare Commitment Letter with Management supervision.
• Finalize any required conditions precedent as needed to ensure Loan Closing has all items needed.
• Responsible for reviewing closing documents, communicating with clients, and identifying portfolio weaknesses and trends and alerting management (Group Manager, Market President, Senior Credit Officer) to deteriorating portfolio conditions.
• Ensure client adherence to covenants with review of calculations, key provisions, and recommendations according to policy.
• Perform all other duties as assigned.

Qualifications Include

• Years of experience or an equivalent combination of education and experience.
• Experience with Microsoft Outlook, Word, and Excel.

About Us: First Horizon is a leading regional financial services company, dedicated to helping our clients, communities, and associates unlock their full potential with capital and counsel. With $ billion in assets as of December, we serve clients through a team of approximately ~ associates and ~ banking centers throughout the southeastern United States. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in states across the southern region. First Horizon has been recognized as one of the nation’s best employers by Fortune and Forbes magazines and a Top Most Reputable Bank.

Benefit Highlights

• Medical with wellness incentives, dental, and vision.
• HSA with company match.
• Maternity and parental leave.
• 401(k) with % match.