Commercial Relationship Manager II

About the role

Commercial Relationship Managers are the client-facing key to our core business of commercial banking. You'll nurture banking relationships with high revenue generating organizations to help them achieve mutually beneficial business goals and strengthen our communities. CRMs service 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.

The most successful individuals in this role are able to build on existing relationships, pursue new clients, and ensure we deliver the highest level of service while providing sound asset stewardship through a balance of risk and credit decisions.

Responsibilities

• Expand existing client relationships which generate incremental revenue for the bank while developing new client relationships which generate acceptable returns for the bank
• Work with Management and Underwriters to analyze the credit strengths and weaknesses of prospective borrowers and make loan decision recommendations, recommend competitive loan pricing that achieves acceptable returns, and structure loans (term, covenants, collateral, guarantees, etc.) to appropriately protect the bank
• Recognize client needs and match the bank's capabilities to meet these needs
• Maintain a thorough knowledge of bank's lending policies and regulatory requirements
• Maintain proper house-holding of relationships
• 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 and accurate preparation of Loss Given Default, Probability of Default, and Risk Adjusted Return on Capital models
• Coordinate deal team meetings between Relationship Manager, Market President, Senior Credit Officer, and Underwriter
• Finalize term sheets to meet client and bank needs
• Engage underwriting to update results of term sheets as needed for review by the deal team
• Build and maintain a portfolio mix of targeted high-value and high-potential clients
• Act as a financial advisor by educating customers about financial strategies (e.g., financial planning, investments, insurance, credit, market trends) based on customer profile and matching needs with appropriate products and services
• Monitor customer information, financial plans, and market trends to identify new customer needs and opportunities
• Coordinate credit decisions with Market President, Senior Credit Officer, Executive Credit Officer, Chief Credit Officer, and Chief Operations Officer
• Create and prepare Commitment Letters with Management supervision
• Finalize required conditions precedent to ensure Loan Closing has all necessary items
• Review closing documents, communicate with clients, and identify portfolio weaknesses and trends
• Alert management (Group Manager, Market President, Senior Credit Officer) to deteriorating portfolio conditions
• Ensure client adherence to covenants with review of calculations, key provisions, and recommendations according to policy
• Perform all other duties as assigned

Requirements

• Bachelor’s degree (4-year college)
• 6-8 years of experience or an equivalent combination of education and experience
• Experience in the management of Syndicated loans as well as Middle Market Lending in the South Florida market, concentrating on Miami-Dade county
• Proficiency with Microsoft Outlook, Word, and Excel

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.

Benefits

• 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 benefits information available at FirstHorizon.com.