Senior Commercial Relationship Manager

First Horizon Bank; Orlando (FL); 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

More -- FirstHorizon.com/First-Horizon

Job summary

First Horizon Bank in Central Florida seeks a seasoned banker to develop and service loans for commercial, middle-market, and real estate clients, with potential to manage a diverse loan portfolio. The role focuses on building long-term client relationships and maximizing portfolio revenue and credit quality.

You will work closely with underwriting, management, and relationship managers to analyze financials, structure loans, and ensure compliance with lending policies.

Qualifications

• Bachelor (4-year college) degree
• 6-8 years of experience or an equivalent combination of education and experience
• Experience with Microsoft Outlook, Word, and Excel

Responsibilities

• Maintains a client portfolio for the bank, including commercial, middle market, and commercial real estate clients
• 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
• Provide mentoring and training to other bank associates
• Maintain proper house-holding of relationships
• Continually upload financial information and client detail into central repository throughout the underwriting process
• 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
• CRM and Underwriter work together to appropriately ensure accuracy of underwriting package
• 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, including those from commercial, middle market, and commercial real estate segments
• Acts as a financial advisor by educating the client about financial strategies (e.g. Financial planning, investments, insurance, credit, market trends) based on client profile and financial plan, and matching client needs with appropriate products and services. Monitors client information/products, financial plan, and market trends to identify new client needs and opportunities to deliver further client 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

Education

Bachelor (4-year college) degree

Job description

JOB DESCRIPTION

Develops new customer prospects and business with commercial, middle market, and commercial real estate clients, with the potential to manage a portfolio spanning these segments. Makes and services a wide variety of business and individual loans to build long-term and profitable client relationships in order to maximize portfolio revenue growth and asset quality. The assigned market region for this role is Central Florida.

Summary

JOB DESCRIPTION

Develops new customer prospects and business with commercial, middle market, and commercial real estate clients, with the potential to manage a portfolio spanning these segments. Makes and services a wide variety of business and individual loans to build long-term and profitable client relationships in order to maximize portfolio revenue growth and asset quality. The assigned market region for this role is Central Florida.

Key Responsibilities Include

• Maintains a client portfolio for the bank, including commercial, middle market, and commercial real estate clients


• 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


• Provide mentoring and training to other bank associates


• Maintain proper house-holding of relationships


• Continually upload financial information and client detail into central repository throughout the underwriting process


• 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


• CRM and Underwriter work together to appropriately ensure accuracy of underwriting package


• 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, including those from commercial, middle market, and commercial real estate segments


• Acts as a financial advisor by educating the client about financial strategies (e.g. Financial planning, investments, insurance, credit, market trends) based on client profile and financial plan, and matching client needs with appropriate products and services. Monitors client information/products, financial plan, and market trends to identify new client needs and opportunities to deliver further client 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

Qualifications Include

• Bachelor (4-year college) degree


• 6-8 years of experience or an equivalent combination of education and experience


• Experience with Microsoft Outlook, Word, and Excel

About Us

First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com .

Benefit Highlights

• Medical with wellness incentives, dental, and vision


• HSA with company match


• Maternity and parental leave


• Tuition reimbursement


• Mentor program


• 401(k) with 6% match


• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits

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