Now Hiring - First Horizon - Commercial Relationship Manager, Sr. in Little Rock, AR

Great Culture, Career Opportunities, and Benefits
Join us and find out how much your career can grow!

First Horizon Bank began in 1864, in Memphis, Tennessee and we've remained dedicated to our clients, associates, and communities for over 150 years. Our culture and diversity shape the way we do business. It's resulted in numerous awards and growth into a top 25 bank with locations across the Southeast. We're publicly traded under the ticker symbol "FHN" on the NYSE. Join us and represent the distinguished First Horizon organization with other stellar associates!

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Develops new customer prospects and business with commercial clients, with the potential to manage a portfolio of commercial clients. Makes and services a wide variety of business and individual loans to build long-term and profitable customer relationships in order to maximize portfolio revenue growth and asset quality. Manages complex accounts or has an assigned market region of a complex nature.

Essential Duties

• 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

Requirement

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

Compensation and Benefits for Full-Time Associates
We offer career growth and a competitive Total Rewards Package including:

• Health, dental and vision coverage for different individual and family needs
• Company provided dollars to help pay for benefit premiums
• Health Savings Account with the ability to earn company contributions
• Flexible Spending Accounts for healthcare and dependent care
• 401(k) employer match up to 6%
• Generous paid time off for vacation and holidays
• Life, accident, and disability insurance
• Wellness programs, platforms and incentives
• Medical Decision Support
• Paid short and long-term disability leave
• Employee Assistance Program
• Tuition Reimbursement
• Adoption Assistance
• Associate Relief Fund
• Associate Recognition programs
• Vacation Donation Program
• Payday every other Friday
• Corporate Mentorship Program
• Flexible and remote work for many positions

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)