Location:  On Site at location listed in job posting. 

At First Horizon Bank Operations, we are on a mission to deliver a seamless customer experience. We are passionate about doing things right and doing the right things. We collaborate with each other and with our internal business partners to delight our customers. We believe in creating an environment where everyone’s ideas are valued so that the team operates at its best. Our team members serve with humility and a deep commitment to their responsibility to be the best at serving their customers one opportunity at a time.

Summary

This opportunity is within our Centralized Commercial Lending team, specifically our Loss Mitigation group.  The duties will include proactively managing portfolios by identifying trends and alerting management to changes in portfolio conditions.  Partners with relationship managers to finalize credit package terms, workout structures and independently prioritizes requests.  Maintain portfolios, performing grade reviews and renewals while communicating with Relationship Managers and Portfolio Managers.

This position will also contribute to the development of credit analysis and portfolio management tools used for the management of non-pass relationships in the Loss Mitigation portfolio. 

Key Responsibilities

• Conduct in-depth analysis of financial information to form a recommendation of approval or denial of loans in accordance with the Bank’s policy and procedures.  Collaborate with Relationship Managers and Market Leaders to gather all necessary information to present an accurate and complete assessment of customer relationships.  On occasion, interact with clients or representatives virtually or in person calls in conjunction with Relationship Manager on larger credits.
• Monitor past due loans within the CCL portfolio and identify potential downgrade situations.
• Ability to prepare high quality, detailed credit approval documents that contain an in-depth analysis, an understanding of and identification of credit issues and risks.  Ability to spread and interpret financial statements, tax returns, and projections using Excel.
• Ability to provide recommendations on loan structuring and alternative structures that may be more appropriate for the transaction. 
• Ability to work in a high-volume environment, meeting or exceeding Service Level Agreements and turn time goals throughout the process, providing credit decisions in a timely manner.
• Work independently on special projects related to credit topics and issues as requested by Bank Credit team(s).
• Support the Bank's strong relationship banking culture through on-going internal partner contact, quality customer service, and superior product knowledge. Understand and adhere to the Bank's Bank Secrecy Act policy and procedures and "know your customer/enhanced due diligence" guidelines. Brings any suspicious activity to the attention of a supervisor, or the Bank Secrecy Act Officer. Follow all Bank policies and procedures to ensure compliance with all laws and regulations.
• May perform other duties as assigned.

Requirements

• Bachelor’s degree required for consideration or equivalent combination of education and experience
• One to five years of commercial credit underwriting experience

Knowledge/Skills/Abilities/Training/Systems

• Fundamental understanding of commercial credit underwriting.
• Ability to interact with all levels of staff and management.
• Ability to work successfully in a deadline driven team environment.
• Strong MS Office skills, especially with Excel.
• Must be organized and detail oriented with the ability to multitask.
• Good written and oral communication skills.
• Good fundamental understanding of general bank operations, proficient understanding of the components of financial planning, deposit products, small business products, investment and insurance products.

About Us
First Horizon Corp. (NYSE: FHN), with $82.6 billion in assets as of September 30, 2024, 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

Corporate Access Commitment:
At First Horizon, we focus on what matters most to our associates, clients and the communities we serve. As we continue to evolve, we remain committed to an open and supportive workplace and providing opportunity and access to capital and counsel for all.

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