Underwriter

First Horizon Corp.; Metairie (LA); On-site; USD 85,000 - 120,000; Full time

Job summary

First Horizon Bank is seeking a CCL Underwriter / Portfolio Manager to provide ongoing credit analysis and support for centralized commercial lending portfolios in a production-driven environment. The role emphasizes credit quality and client experience, requiring strong analytical and communication skills.

Responsibilities include risk rating, covenant testing, portfolio quality reporting, collaboration with market teams, and preparing credit memos and annual reviews.

Responsibilities

• Conduct annual risk ratings and periodic covenant testing to support portfolio management
• Monitor, analyze, and report on key performance indicators related to loan portfolio quality
• Collaborate with market teams and associates to gather feedback and align work with team priorities
• Provide insights on client credit profiles and incorporate findings into underwriting documents such as credit memos and annual reviews
• Perform financial statement and tax return spreading using bank software or templates; advise associates on updating loan requests or modifications; create and present credit memos
• Assist with loan maintenance tasks via servicing system including coding, lien release requests
• Participate in special projects and assignments to support associates and enhance client service

Job description

Location: Onsite at location listed on posting

Summary

A CCL Underwriter / Portfolio Manager provides ongoing credit analysis and support for the management of centralized commercial lending portfolios within a production-driven environment. This role is pivotal in monitoring and maintaining credit quality, while also prioritizing a positive experience for our clients. Success requires strong skills in credit analysis, knowledge of loan documentation, and exceptional communication abilities to effectively manage loan portfolio and serve bank partners.

Key Responsibilities

• Support commercial loan portfolio management by conducting annual risk ratings and periodic covenant testing, proactively prioritizing both portfolio management and production tasks to ensure timely completion.
• Monitor, analyze, and report on key performance indicators related to loan portfolio quality.
• Collaborate closely with market teams, actively engaging with associates to gather feedback and asking clarifying questions so that work aligns with the team's priorities.
• Provide insights on strengths and weaknesses within client credit profiles, incorporating findings into underwriting documents such as credit memos and annual reviews.
• Perform financial statement and tax return spreading using Bank software or templates; advise and assist associates—including bankers and underwriters—with updating loan requests or modifications within the centralized commercial workflow system; complete detailed financial analyses; and create and present credit memos.
• Perform or advise on various loan maintenance tasks via Bank's servicing system including coding, channeling, and lien release requests.
• Participate in special projects and assignments, fulfilling additional duties as needed to support associates and enhance client service.