Senior Credit Officer

Location:  On site, Memphis, TN 

Summary

This position serves as a Senior Credit Officer for C&I credit requests to Commercial and Private Client borrowers in the South Central Region. 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

Key Responsibilities Include

• 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.

Qualifications Include

• 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 in the markets mentioned above
• Bachelor’s degree required
• Position will be located within the South Central Region

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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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)