Senior Portfolio Manager, Credit & Risk Analysis

First-Horizon-Bank; Mobile (AL); On-site; USD 90,000 - 120,000; Full time

Job summary

First-Horizon-Bank seeks a Portfolio Manager to assess risk and oversee the loan portfolio, performing annual reviews, covenant compliance, and financial collection processes, while partnering with Relationship Managers to grow a high-quality, profitable portfolio.

The role requires analyzing cash flows, preparing financial spreads and presentation materials, and coordinating loan pricing, renewals, and closings as needed.

Qualifications

• Bachelor's degree is required or equivalent combination of education and experience.

Responsibilities

• Evaluates risk and whether credit is acceptable; identifies risk trends at customer and portfolio level.
• Partners with Relationship Managers to meet with clients and understand requirements.
• Collects financial data to ensure accurate risk assessment and underwriting.
• Analyzes global cash flow for prospects to identify financial condition and repayment ability.
• Prepares financial spreads, Credit Presentation Sheets, Narrative, Relationship Summary, and Loan Pricing Model for approvals.
• Assist in pricing and structuring new loans and renewals.
• Coordinates closing and booking events and monitors industry trends for risk.
• Ensures loan renewal letters are sent and covenant compliance and annual reviews are completed.

Education

Bachelor's degree

Job description

First-Horizon-Bank seeks a Portfolio Manager to assess risk and oversee the loan portfolio, performing annual reviews, covenant compliance, and financial collection processes, while partnering with Relationship Managers to grow a high-quality, profitable portfolio.

The role requires analyzing cash flows, preparing financial spreads and presentation materials, and coordinating loan pricing, renewals, and closings as needed.