"Alerted.org

Description

**Location:** On site at location listed in job posting.

Summary

Private Client Team Lead will understand, anticipate, and satisfy the banking needs of high net worth clients and retain their relationships by providing a high level of individualized service and by recommending appropriate bank products and services to increase revenue by generating new customers and by expanding the products and services of existing customers. The Market Leader for a market is responsible for overseeing Private Banking Relationship Managers including prospecting, commercial client development and maintenance of portfolios. This position has responsibilities in regards to budget and assists Private Bankers in attaining their goals. Appropriate use of Commercial Lending Authority, as designated per policy.

ESSENTIAL DUTIES AND RESPONSIBILITIES

+ Manage independently a significant client portfolio for the bank and/ or manage multiple Relationship Managers that maintain client portfolios

+ Expand existing client relationships which generate incremental revenue for the bank

+ Develop new client relationships which generate acceptable returns for the bank

+ Independently able to analyze the credit strengths and weaknesses of prospective borrowers and make loan decision recommendations

+ Independently make recommendations on loan pricing which are competitive with the marketplace and achieve an acceptable return for the bank

+ Independently able to structure complex loans (term, covenants, collateral, guarantees, etc.) which appropriately protects the bank

+ Independently able to recognize complex client needs and matching the bank's capabilities to meet these needs

+ Negotiate independently with clients on complex loan structure, pricing, and other product/services for clients

+ Maintain a thorough knowledge of bank's lending policies and regulatory requirements

+ Provide mentoring and training to other bank associates, including Private Bankers, Portfolio Managers, and Client Relationship Assistants.

+ Maintain proper house-holding of relationships

+ Continually upload financial information and client detail into central repository throughout the underwriting process.

+ Gather financials for new and renewal opportunities with clients.

+ Prepare Opportunity Memos as needed for new and renewal requests to initiate underwriting process.

+ Work directly with the underwriter to ensure accurate reflection of financials

+ Work directly with the underwriter to ensure accurate preparation of Loss Given Default, Probability of Default, and Risk Adjusted Return on Capital models at time of new/renew requests.

+ Coordinate deal team meetings between Relationship Managers, Market Presidents, Senior Credit Officer and Underwriter.as required.

+ Review Commercial Underwriting Package for accuracy and provide edit/input items for underwriter.

+ Create/Prepare term sheets

+ Finalize term sheets to meet client and bank needs

+ Engage underwriting to update results of term sheet accordingly and as needed to be reviewed by deal team.

+ Coordinate credit decision with Market President, Senior Credit Officer, Executive Credit Officer, Chief Credit Officer and Chief Operations Officer.

+ Create/Prepare Commitment Letter

+ Finalize any required conditions precedent as needed to ensure Loan Closing has all items needed.

+ Responsible for reviewing closing documents

+ Responsible for communication with client

+ Identifies portfolio weaknesses and trends and alerts management to deteriorating portfolio conditions

+ Ensure receipt of all financial and covenant requirements of client relationships, managing exceptions as dictated by policy.

+ Annual Review of client relationships as dictated by policy.

+ Annual Risk Rating of client relationships as dictated by policy.

+ Ensures client adherence to covenants with review of calculations, key provisions, and recommendations according to policy.

+ Performs all other duties as assigned

SUPERVISORY RESPONSIBILITIES

1. Directly responsible for directing, coordinating, and evaluating designated units or certain personnel in accordance with the organization's policies and applicable laws. Responsibilities may include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; providing pay change recommendations; disciplining employees; addressing complaints and resolving problems.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:

1. Bachelor (4-year college) degree and at least 8+ years of experience or equivalent combination of education and experience

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 (https://urldefense.com/v3/\_\_https:/www.firsthorizon.com/\_\_;!!Cz2fjcuE!hpq9hPnrucZCPIAVPojVESItIq-FPzhurNdCrQ3JE8Rkx3gMd70nIk6\_kmPxl66\_oJCEsXs0gNunPowMAMHCmBYPOtUxUGI$) .

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

Follow Us

Facebook (https://www.facebook.com/FirstHorizonBank)

X formerly Twitter

LinkedIn (http://www.linkedin.com/company/first-horizon-bank)

Instagram

YouTube (https://www.youtube.com/channel/UCEVs5OMj-b0H9Dr5Q209\_-Q)

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws.

For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.