Description

　　About Us

　　First Horizon Corp. (NYSE: FHN), with approximately $90 billion in assets, 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, mortgage, and title insurance 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.

　　ESSENTIAL DUTIES AND RESPONSIBILITIES

　　Maintains a client portfolio for the bank

　　Expand existing client relationships which generate incremental revenue for the bank

　　Develop 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

　　Work with Management to make recommendations on loan pricing which are competitive with the marketplace and achieve an acceptable return for the bank

　　Work with Management to 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

　　Work with Management on loan structure, pricing, and other product/services for clients

　　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

　　Work directly with the underwriter 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 Under Writer work together to appropriately ensure accuracy of underwriting package.

　　CRM and Under Writer work together to appropriately ensure accuracy of underwriting package.

　　Create/Prepare term sheets, with Management supervision.

　　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.

　　May assist International Operations manager with the daily activities of the department and specialize in Letters of Credit.

　　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

　　Responsible for communication with client

　　Identifies portfolio weaknesses and trends and alerts management (Group Manager, Market President, Senior Credit Officer) to deteriorating portfolio conditions

　　Ensure receipt of all financial and covenant requirements of client relationships, managing exceptions as dictated by policy.

　　Annual Review of client relationships as dictated by policy.

　　Annual Risk Rating of client relationships as dictated by policy. This role is responsible for completing of Loss Given Default and Probability of default models for on-going annual portfolio management.

　　Ensures client adherence to covenants with review of calculations, key provisions, and recommendations according to policy.

　　Performs all other duties as assigned

　　SUPERVISORY RESPONSIBILITIES

　　No supervisory responsibilitiesQUALIFICATIONS

　　To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:

　　Bachelor (4-year college) degree 6-8 years of experience or equivalent combination of education and experienceBenefit 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

　　Follow Us

　　Facebook -- facebook.com/FirstHorizonBank

　　Twitter -- twitter.com/FirstHorizonBnk

　　LinkedIn -- linkedin.com/company/first-horizon-bank

　　Instagram -- instagram.com/first_horizon

　　YouTube -- youtube.com/channel/UCEVs5OMj-b0H9Dr5Q209_-Q

　　Corporate Diversity Commitment:

　　We remain committed to creating a more equitable society, and that starts with our associates, our clients, and the communities we serve. We do this by elevating equity, providing capital and counsel, and committing to excellence

　　Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

　　The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)