Senior Commercial Relationship Manager

First Horizon Bank; Jacksonville (FL); On-site; USD 90,000 - 160,000; Full time

Benefits offered by this job

Medical with wellness incentives

HSA with company match

Tuition reimbursement

Mentor program

401(k) with 6% match

Job summary

First Horizon Bank in Jacksonville, FL seeks a Commercial Relationship Manager to nurture and expand client banking relationships for high-revenue organizations.

You will work with underwriting teams to analyze credit strengths and structure loans while ensuring top-tier service and sound asset stewardship. This role demands strong relationship-building and market knowledge in the South Florida region.

Qualifications

• Bachelor (4-year college) degree.
• 6-8 years of experience or an equivalent combination of education and experience.
• Experience in the management of Syndicated loans as well as in Middle Market Lending in the South Florida market concentrating on Miami-Dade county.
• Experience with Microsoft Outlook, Word, and Excel.

Responsibilities

• 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 matching the bank's capabilities to meet these needs
• Maintain a thorough knowledge of 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 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 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
• Builds and maintains a portfolio mix of targeted high value and high potential clients.
• Acts as a financial advisor by educating the customer about financial strategies (e.g. Financial planning, investments, insurance, credit, market trends) based on customer profile and financial plan, and matching customer needs with appropriate products and services. Monitors 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
• Ensures client adherence to covenants with review of calculations, key provisions, and recommendations according to policy
• Performs all other duties as assigned

Skills

Relationship management

Communication

Education

Bachelor degree

Tools

Microsoft Outlook

Microsoft Word

Microsoft Excel

Job description

First Horizon Bank in Jacksonville, FL seeks a Commercial Relationship Manager to nurture and expand client banking relationships for high-revenue organizations.

You will work with underwriting teams to analyze credit strengths and structure loans while ensuring top-tier service and sound asset stewardship. This role demands strong relationship-building and market knowledge in the South Florida region.