Portfolio Manager Team Lead

First-Horizon-Bank; Atlanta (GA); On-site; USD 120,000 - 180,000; Full time

Job summary

First Horizon Bank seeks a seasoned Portfolio Management Team Lead to guide a local team of Portfolio Managers and Credit Analysts, coordinating with Relationship Managers to optimize commercial lending portfolios.

Ideal candidates bring extensive underwriting and portfolio management experience, with a track record in coaching talent, risk policy adherence, and meeting deadlines in a team-focused setting.

Qualifications

• Minimum 6 to 8 years in commercial underwriting and portfolio management.
• Bachelor's degree or equivalent work experience.
• Ability to read/interpret financial reports and documents.
• Strong written and oral communication skills with executives.
• Ability to lead, coach, and develop a team in a deadline-driven environment.

Responsibilities

• Leads analysis, underwriting, origination, and portfolio management of loans in a commercial loan portfolio.
• Partners with Relationship Managers to call on clients; develops lending proposals.
• Manages talent acquisition, onboarding, and performance management for Portfolio Managers and Credit Analysts.
• Maintains oversight of post-approval due diligence and loan documentation.
• Directs, coordinates, and evaluates designated units and personnel.
• Leads portfolio management meetings and monitors portfolio metrics.

Skills

Communication

Leadership

Underwriting

Portfolio management

Financial analysis

Education

Bachelor's degree

Job description

SUMMARY

Portfolio Management Team Lead candidates are experienced commercial lending portfolio managers who have the ability to lead a team of Portfolio Managers and Credit Analysts and directly contribute to the commercial lending portfolio through their assigned partnership with local Relationship Managers.

The incumbent will provide direct management to the local team of Portfolio Managers and Credit Analysts, leading talent acquisition, onboarding, and performance management. They must have a demonstrated ability to effectively contribute to the loan structuring, underwriting, origination, and portfolio management responsibilities for their assigned loan portfolio.

Candidates who have previous managerial experience, the ability to coach and develop talent, and possess a deep understanding of First Horizon’s credit policy, processes and risk appetite are preferred. The incumbent must work well in a team-focused setting and is comfortable balancing competing priorities in a deadline driven environment.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Leads the analysis, underwriting, origination, and portfolio management of loans in a commercial loan portfolio.
• Utilizes loan structuring, risk identification, and risk mitigation skills
• Understands and applies the Bank’s risk grading methodology and credit appetite
• Manages complex relationships with ability to understand both C&I and income-producing real estate (CRE) borrowers.
• Partners with Relationship Managers to call on current or potential clients; understands and identifies needs for commercial products and services; develops lending proposals; identifies cross-sell opportunities.
• Maintains oversight of post-approval due diligence requirements and commercial loan documentation preparation.
• Maintains satisfactory portfolio management metrics, ensuring credit quality and portfolio servicing are maintained in an acceptable manner.
• Performs all other duties as assigned
• Directly responsible for directing, coordinating, and evaluating designated units or 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.
• Leads talent acquisition, onboarding, and new hire training for Portfolio Managers and Credit Analysts
• Establishes regular performance management routines for direct reports, setting goals and providing support to achieve progress towards goal.
• Develops the skills of direct reports by providing training, feedback, and coaching at the group and individual level.
• Completes regular monitoring of Market/LOB portfolio management reports, keeping Market/LOB leader apprised of portfolio management metrics and performance.
• Leads commercial portfolio management meetings, including Market Asset Quality Meetings.
• Monitors workflow and capacity across the team, making adjustments to ensure production deadlines and portfolio management standards are met.
• Ensures Portfolio Managers on the team are effectively engaging and working with their Credit Analyst partners, delegating increasingly complex assignments to promote Credit Analyst development.

QUALIFICATIONS

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

• Minimum 6 to 8 years of commercial underwriting and portfolio management experience
• Bachelor's degree (or equivalent in work experience) required.
• Ability to read, analyze and interpret financial reports and legal documents; performs simple to complex calculations; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals
• Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with senior executives, business unit management and staff, state and federal regulators and officials, significant business partners, commercial lending prospects and clients.
• Strong written and oral communication skills.
• Strong organizational and customer service skills.
• Accurate typing, spelling and grammar skills.