Strategic Portfolio Manager — Credit Risk & Growth

First Horizon Bank; Mobile (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 Mobile, AL seeks a Portfolio Manager to assess risk and oversee the loan portfolio, including annual reviews, renewals, covenant compliance, and financial collection within assigned credits. You will partner with Relationship Managers to grow a high-quality, profitable loan portfolio.

The role requires analytical credit oversight, preparation of financial presentations, and collaboration with clients to understand needs and ensure accurate underwriting.

Qualifications

• Bachelor (4-year college) degree and at least 5 years of experience or an equivalent combination of education and experience.

Responsibilities

• Evaluates risk to determine risk rating and acceptability of credit; identifies trends and notifies manager.
• Partner with Relationship Managers to meet clients and understand needs.
• Collect financial data to ensure accurate risk assessment and underwriting.
• Analyze cash flows for prospects, borrowers and guarantors to assess financial condition.
• Prepare financial spreads, presentation sheets, narratives and pricing models for approvals.

Skills

Credit risk assessment

Financial data analysis

Underwriting

Cash flow analysis

Education

Bachelor's degree

Job description

First Horizon Bank in Mobile, AL seeks a Portfolio Manager to assess risk and oversee the loan portfolio, including annual reviews, renewals, covenant compliance, and financial collection within assigned credits. You will partner with Relationship Managers to grow a high-quality, profitable loan portfolio.

The role requires analytical credit oversight, preparation of financial presentations, and collaboration with clients to understand needs and ensure accurate underwriting.