First Horizon Bank
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Senior Credit Officer
role at
First Horizon Bank
Location:
On site in Houston, TX and Dallas, TX
Job Description This position serves as a Senior Credit Officer for C&I credit requests to Commercial and Private Client borrowers in the West Region (markets located in Texas, primarily Houston and Dallas/Ft. Worth). This position evaluates credit requests for existing borrowers and prospective clients, reviews annual analyses, identifies potential and emerging credit risks, and performs proactive portfolio management through ongoing monitoring. Some travel to call on clients/prospects with the line is required.
Duties and Responsibilities
Review credit packages, assist in structuring, and decision requests for existing borrowers and prospects. Provide recommendations and feedback to the line teams regarding specific loan requests as well as overall portfolio management. Evaluate existing borrower and prospective credit requests within established standards.
Ensure that analyses accurately present credit risks, policy exceptions, regulatory compliance, and appropriate loan grading.
Ensure all asset quality objectives are met and processes and procedures are in compliance with the company’s policies, practices, and regulatory requirements. Communicate results and any potential issues to both line and credit leadership.
Manage existing portfolio relationships within established risk parameters and servicing requirements.
Make recommendations of credit authority of line personnel and periodically review credit authority usage.
Provide coaching, mentoring, and training to portfolio managers and credit analysts throughout the lending and approval process. Assist line management in the evaluation of the line personnel and help to identify training needs.
Participate in internal loan review, audit and regulator examinations, and forecasting of asset quality indicators to top management.
Contribute to the development and maintenance of First Horizon’s credit culture.
Contribute to the establishment and review of credit policies.
Demonstrate proficiency in content, interpretation and application of credit policy and awareness of and appropriate actions with regard to applicable laws and regulations.
Job Requirements
Ten years or more in commercial banking or related field with demonstrated expertise in structuring commercial loans
Underwriting experience is required; previous credit risk management experience is preferred.
Possesses an understanding of the current business environment, demonstrated knowledge of credit policy, and analytical abilities
Goal and production oriented
Excellent relationship building skills; collaborative work style
Proficient with applicable computer software
Excellent written and oral communication skills
Excellent organizational and customer service skills
Travel required, primarily to and from the markets mentioned above
Bachelor’s degree required
Position will be located in Houston, Dallas, or Ft. Worth and will be in office with the teams supported.
About Us First Horizon Corporation 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
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Senior Credit Officer
role at
First Horizon Bank
Location:
On site in Houston, TX and Dallas, TX
Job Description This position serves as a Senior Credit Officer for C&I credit requests to Commercial and Private Client borrowers in the West Region (markets located in Texas, primarily Houston and Dallas/Ft. Worth). This position evaluates credit requests for existing borrowers and prospective clients, reviews annual analyses, identifies potential and emerging credit risks, and performs proactive portfolio management through ongoing monitoring. Some travel to call on clients/prospects with the line is required.
Duties and Responsibilities
Review credit packages, assist in structuring, and decision requests for existing borrowers and prospects. Provide recommendations and feedback to the line teams regarding specific loan requests as well as overall portfolio management. Evaluate existing borrower and prospective credit requests within established standards.
Ensure that analyses accurately present credit risks, policy exceptions, regulatory compliance, and appropriate loan grading.
Ensure all asset quality objectives are met and processes and procedures are in compliance with the company’s policies, practices, and regulatory requirements. Communicate results and any potential issues to both line and credit leadership.
Manage existing portfolio relationships within established risk parameters and servicing requirements.
Make recommendations of credit authority of line personnel and periodically review credit authority usage.
Provide coaching, mentoring, and training to portfolio managers and credit analysts throughout the lending and approval process. Assist line management in the evaluation of the line personnel and help to identify training needs.
Participate in internal loan review, audit and regulator examinations, and forecasting of asset quality indicators to top management.
Contribute to the development and maintenance of First Horizon’s credit culture.
Contribute to the establishment and review of credit policies.
Demonstrate proficiency in content, interpretation and application of credit policy and awareness of and appropriate actions with regard to applicable laws and regulations.
Job Requirements
Ten years or more in commercial banking or related field with demonstrated expertise in structuring commercial loans
Underwriting experience is required; previous credit risk management experience is preferred.
Possesses an understanding of the current business environment, demonstrated knowledge of credit policy, and analytical abilities
Goal and production oriented
Excellent relationship building skills; collaborative work style
Proficient with applicable computer software
Excellent written and oral communication skills
Excellent organizational and customer service skills
Travel required, primarily to and from the markets mentioned above
Bachelor’s degree required
Position will be located in Houston, Dallas, or Ft. Worth and will be in office with the teams supported.
About Us First Horizon Corporation 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
#J-18808-Ljbffr