Score Underwriter

First Horizon Corp.; Memphis, Northern (TN, KY); Hybrid; USD 60,000 - 85,000; Full time

Job summary

First Horizon Corp. is seeking a motivated Centralized Lending Score Underwriter to support new loan originations and the loan portfolio. This onsite role covers all loan types up to 250M, with business credit cards up to 50-100M, and renewal portfolio exposure up to 1M.

You will review credit applications, assess debt-to-income, verify documentation, and prepare underwriting packages for approval. The position emphasizes accuracy, compliance, and independent work.

Qualifications

• Experience reviewing credit applications for approval.
• Ability to assess debt-to-income ratios and financial stability.
• Familiarity with credit reports and underwriting standards.

Responsibilities

• Review all types of credit applications for approval.
• Analyze credit and audit renewal files for compliance.
• Verify documentation, determine debt-to-income ratio and financial stability.
• Perform credit and background inquiries.
• Prepare pricing summaries and rate lock tickets.
• Prepare credit approval documentation for approved loans.
• Review credit reports and determine validity of future customers.
• Review SBA Express and Scored requests for approval/decline.
• Review Secretary of State filings to determine ownership and fraud flags.
• Independent and detail-oriented worker.

Skills

Attention to detail

Analytical skills

Time management

Communication

Tools

Credit reports

Job description

Location: Onsite at location listed in on posting

Summary

First Horizon is seeking a motivated individual for a Centralized Lending Score Underwriter Position to assist with adding quality loans to our loan portfolio. The role supports the line side with new loan originations. All loan types up to 250M. Business credit cards up 50M -100M and our renewal portfolio management up to 1MM in exposure.

• Review all types of credit applications for approval.
• Analyze credit and audit renewal files for compliance
• Make sure all applications have all needed documentation with determining debt to income ratio and financial stability.
• Perform credit and background inquiries.
• Prepare pricing summary sheets and rate lock tickets.
• Prepare credit approval documentation for approved loans.
• Review credit reports and determine validity of future customers
• Review and Approve SBA Express and Scored request for approval or decline
• Review Secretary of state and Articles of Incorporation to determine ownership and review fraudulent information.
• Independent and dependent worker
• Detail oriented