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Commercial Relationship Manager
Location:
Kingsport, TN
Description:
Location: On site, Kingsport, TN 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 bankExpand existing client relationships which generate incremental revenue for the bankDevelop new client relationships which generate acceptable returns for the bankWork with the Management and Underwriters to analyze the credit strengths and weaknesses of prospective borrowers and make loan decision recommendationsWork with Management to make recommendations on loan pricing which are competitive with the marketplace and achieve an acceptable return for the bankWork with Management to structure loans (term, covenants, collateral, guarantees, etc.) which appropriately protects the bankWork with Management to recognize client needs and matching the bank's capabilities to meet these needsWork with Management on loan structure, pricing, and other product/services for clientsMaintain a thorough knowledge of bank's lending policies and regulatory requirementsProvide mentoring and training to other bank associatesMaintain proper house-holding of relationshipsContinually upload financial information and client detail into central repository throughout the underwriting processGather financials for new and renewal opportunities with clientsPrepare Opportunity Memos (with Management) as needed for new and renewal requests to initiate underwriting processWork directly with the underwriter to ensure accurate reflection of financialsWork 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 requestsCoordinate deal team meetings between Relationship Manager, Market President, Senior Credit Officer, and UnderwriterCRM and Under Writer work together to appropriately ensure accuracy of underwriting packageCreate/Prepare term sheets, with Management supervisionFinalize term sheets to meet client and bank needsEngage underwriting to update results of term sheet accordingly and as needed to be reviewed by deal teamMay assist International Operations manager with the daily activities of the department and specialize in Letters of CreditBuilds and maintains a portfolio mix of targeted high value and high potential clientsActs 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 valueWork 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 supervisionFinalize any required conditions precedent as needed to ensure Loan Closing has all items neededResponsible for reviewing closing documentsResponsible for communication with clientIdentifies portfolio weaknesses and trends and alerts management (Group Manager, Market President, Senior Credit Officer) to deteriorating portfolio conditionsEnsure receipt of all financial and covenant requirements of client relationships, managing exceptions as dictated by policyAnnual Review of client relationships as dictated by policyAnnual 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 managementEnsures client adherence to covenants with review of calculations, key provisions, and recommendations according to policyPerforms all other duties as assigned Qualifications Include Bachelor (4-year college) degree 2-4 years of experience or equivalent combination of education and experienceMicrosoft Office suite About Us First Horizon is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. With $81.7 billion in assets as of December 31, 2023, we serve clients through a team of approximately ~7,300 associates and ~418 banking centers throughout the southeastern United States. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. 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. 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 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. Follow Us Facebook X formerly Twitter LinkedIn Instagram YouTube Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThe 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)PDN-9b0643f3-c08e-45e7-a384-6f64203e6db6
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More About this Listing: Commercial Relationship Manager
Commercial Relationship Manager is a Advertising & Marketing Commercial Relationship Manager Job at First Horizon National located in Kingsport TN. Find other listings like Commercial Relationship Manager by searching Oodle for Advertising & Marketing Commercial Relationship Manager Jobs.
Commercial Relationship Manager is a Advertising & Marketing Commercial Relationship Manager Job at First Horizon National located in Kingsport TN. Find other listings like Commercial Relationship Manager by searching Oodle for Advertising & Marketing Commercial Relationship Manager Jobs.