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Commercial Relationship Manager
Commercial Relationship Manager-March 2024
Kingsport
Mar 19, 2025
About Commercial Relationship Manager

  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.

  Summary

  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 the moderately complex to complex accounts.

  Key Responsibilities Include

  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

  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

  Qualifications Include

  Bachelor (4-year college) degree 2-4 years of experience or equivalent combination of education and experience

  Microsoft Office suite

  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

  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 in everything we do.

  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)

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