Private Banking RM — Wealth & Loan Solutions for HNW

null; Huntsville (AL); On-site; USD 90,000 - 140,000; 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 in Huntsville, AL seeks a Private Banking Relationship Manager to grow and manage professional high net worth client relationships. You will administer loan portfolios and deliver wealth management and treasury solutions, while cross-selling bank products.

The role emphasizes business development, risk assessment with underwriters, and adherence to lending policies, with on-site work and collaboration across teams.

Qualifications

• Bachelor's degree and at least 6 years of experience or equivalent combination of education and experience.

Responsibilities

• Maintains a client portfolio for the bank (<$10MM).
• Expand existing client relationships which generate incremental revenue for the bank.
• Develop 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.
• Work with Management to make recommendations on loan pricing which are competitive with the marketplace and achieve an acceptable return for the bank.
• Work with Management to structure loans (term, covenants, collateral, guarantees, etc.) which appropriately protect the bank.
• Maintain a thorough knowledge of bank's lending policies and regulatory requirements with particular knowledge of Consumer regulations.
• An ability to work with multiple channels to solve the client need: consumer, business banking, and commercial.
• Coordinate deal team meetings between Relationship Managers, Market Presidents, Senior Credit Officer and Underwriter.
• Create/Prepare term sheets, with Management supervision.
• Finalize term sheets to meet client and bank needs.
• Finalize any required conditions precedent as needed to ensure Loan Closing has all items needed.
• Responsible for reviewing closing documents.
• Identifies portfolio weaknesses and trends and alerts management to deteriorating portfolio conditions.
• Annual Review of client relationships as dictated by policy.
• Annual Risk Rating of client relationships as dictated by policy.

Education

Bachelor's degree (4-year)

Job description

First Horizon Bank in Huntsville, AL seeks a Private Banking Relationship Manager to grow and manage professional high net worth client relationships. You will administer loan portfolios and deliver wealth management and treasury solutions, while cross-selling bank products.

The role emphasizes business development, risk assessment with underwriters, and adherence to lending policies, with on-site work and collaboration across teams.