Portfolio Manager Team Lead

About the role

Portfolio Management Team Lead candidates are experienced commercial lending portfolio managers who lead a team of Portfolio Managers and Credit Analysts and directly contribute to the commercial lending portfolio through partnership with local Relationship Managers. The incumbent provides direct management to the local team, leading talent acquisition, onboarding, and performance management, while effectively contributing to loan structuring, underwriting, origination, and portfolio management for their assigned loan portfolio. Preferred candidates have previous managerial experience, coaching and development skills, and a deep understanding of First Horizon’s credit policy, processes, and risk appetite. The role requires strong teamwork and the ability to balance competing priorities in a deadline-driven environment.

Responsibilities

• Leads the analysis, underwriting, origination, and portfolio management of loans in a commercial loan portfolio.
• Utilizes loan structuring, risk identification, and risk mitigation skills.
• Understands and applies the Bank’s risk grading methodology and credit appetite.
• Manages complex relationships with ability to understand both C&I and income-producing real estate (CRE) borrowers.
• Partners with Relationship Managers to call on current or potential clients; identifies needs for commercial products and services; develops lending proposals; identifies cross-sell opportunities.
• Maintains oversight of post-approval due diligence requirements and commercial loan documentation preparation.
• Maintains satisfactory portfolio management metrics, ensuring credit quality and portfolio servicing are maintained in an acceptable manner.
• Performs all other duties as assigned.
• Directly responsible for directing, coordinating, and evaluating designated units or personnel in accordance with organizational policies and applicable laws, including interviewing, hiring, training, assigning work, appraising performance, and addressing complaints.
• Leads talent acquisition, onboarding, and new hire training for Portfolio Managers and Credit Analysts.
• Establishes regular performance management routines for direct reports, setting goals and providing support to achieve progress.
• Develops the skills of direct reports through training, feedback, and coaching at the group and individual level.
• Completes regular monitoring of Market/LOB portfolio management reports, keeping Market/LOB leader apprised of portfolio management metrics and performance.
• Leads commercial portfolio management meetings, including Market Asset Quality Meetings.
• Monitors workflow and capacity across the team, making adjustments to ensure production deadlines and portfolio management standards are met.
• Ensures Portfolio Managers effectively engage and work with their Credit Analyst partners, delegating increasingly complex assignments to promote Credit Analyst development.

Requirements

• Minimum 6 to 8 years of commercial underwriting and portfolio management experience.
• Bachelor's degree (or equivalent in work experience) required.
• Ability to read, analyze, and interpret financial reports and legal documents; perform simple to complex calculations; research, analyze, and evaluate information to make decisions, solve problems, and achieve goals.
• Ability to read, listen, understand, and communicate information and ideas clearly and effectively, both orally and in writing, with senior executives, business unit management, staff, regulators, business partners, and clients.
• Strong written and oral communication skills.
• Strong organizational and customer service skills.
• Accurate typing, spelling, and grammar skills.

About Us

First Horizon Corporation is a leading regional financial services company dedicated to helping 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 coverage.
• HSA with company match.
• Maternity and parental leave.
• Tuition reimbursement.
• Mentor program.
• 401(k) with 6% company match.