This role is responsible for managing a portfolio of commercial client and prospect relationships with companies with annual revenues of $30 million and above. Serves as the primary point of contact for these relationships and delivers tailored solutions to target customers and prospects by listening to their needs and using the Commercial banking product suite (loans, deposits, letters of credit, treasury management, international banking services, wealth management, merchant services, retirement services, etc.) to meet those needs. The role is responsible for serving as a key leader/facilitator in collaborating with product specialists to meet customer needs. Must have strong communication and presentation skills.
Key Responsibilities Include
Manages a portfolio of complex customer relationships with a focus on deepening existing client relationships and acquiring new, profitable relationships by developing a command of the Commercial banking product suite and consultative selling.
Acts as a financial advisor to those customers by staying informed of market conditions, economic and industry trends and advising customers of financial strategies that help them navigate various business climates.
Works collaboratively with teammates to develop account structures and treasury management solutions that meet customer needs.
Work collaboratively with teammates to analyze the credit strengths and weaknesses of prospective borrowers and make loan decision recommendations.
Work collaboratively with management to make recommendations on pricing which are competitive with the marketplace but achieve an acceptable return for the bank.
Prepare, or assist in the preparation of, complete and accurate credit packages, including financial analysis or other written communications that advance the lending process.
Coordinate deal team meetings for new opportunities and/or renewals, which include the Credit Analyst, Portfolio Manager, Senior Credit Officer and other relevant constituents, including Departmental Executive and Market President.
Create/Prepare term sheets and commitment letters, with Management supervision. Finalizes term sheets and commitment letters with consent of required credit authority and presents to clients and prospective clients.
Identifies portfolio weaknesses and trends and alerts management (Group Manager, Market President, Senior Credit Officer) to deteriorating portfolio conditions.
Provide mentoring and training to other bank associates.
Performs all other duties as assigned.
Qualifications Include
Bachelor (4-year college) degree
6-8 years of experience or an equivalent combination of education and experience
Experience with Microsoft Outlook, Word, and Excel
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.
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Seniority level
Mid-Senior level
Employment type
Full-time
Job function
Finance and Sales
Industries
Financial Services
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