• SBA Portfolio Manager, SR

    First Horizon Bank (Birmingham, AL)


    Description

    **Location:** On site at location in Nashville, TN, Memphis, TN, New Orleans, LA, Birmingham, AL

     

    At First Horizon Bank Operations, we are on a mission to deliver a seamless customer experience. We are passionate about doing things right and doing the right things. We collaborate with each other and with our internal business partners to delight our customers. We believe in creating an environment where everyone’s ideas are valued so that the team operates at its best. Our team members serve with humility and a deep commitment to their responsibility to be the best at serving their customers one opportunity at a time.

    Summary

    The SBA Portfolio Manager assists in the assessment of risk and management of the Bank’s loan portfolio by providing analytical and credit oversight and is responsible for the annual review, renewal, loan covenant compliance reviews and financial collection process within assigned loan portfolio. The position will be within the Centralized Commercial Lending Group.

    Key Responsibilities

    + Evaluates pertinent information to determine risk rating and whether an existing credit is an acceptable risk; identifies credit risk trends at the customer and portfolio level; notifies manager of risk changes.

    + Partners with Relationship Managers to:

    + Meet with current and prospective clients to understand the specific customer requirements and needs.

    + Collect appropriate financial data and information to ensure an accurate risk assessment and thorough underwriting.

    + Answer client questions; ensure all data is accurate for loan underwriting.

    + Analyses global cash flow for commercial and individual prospects, borrowers and guarantors to identify financial condition, profitability, repayment ability, operating trends, financial support of credit and other various financial indicators.

    + Prepares all required financial spreads, Credit Presentation Sheets, Narrative, Relationship Summary, and Loan Pricing Model and prepares packages for approval on all new and existing credits.

    + Assist in the pricing and structure of renewals.

    + Coordinates closing and booking events.

    + Monitors industry trends and analyze specific industry trend data to identify potential areas of risk.

    + Ensures a 120 day renewal letter is sent to the customer identifying the key financial information needed in advance to process the renewal request; completes loan covenant compliance and annual loan reviews and review findings.

    + Completes, passes and maintains an up to date status for all positional and company required compliance and regulatory courses by assigned due date(s).

    + Performs all other duties as assigned

    Requirements

    + Bachelor’s degree and at least five (5) years equivalent combination of education and experience

    Knowledge/Skills/Abilities/Training/Systems

    + Ability to interact with all levels of clients, staff and management.

    + Ability to work successfully in a deadline driven team environment.

    + Strong MS Office skills, especially with Excel.

    + Must be organized and detail oriented with the ability to multitask.

    + Must be able to work independently and make sound decisions.

    + Good written and oral communication skills.

    + Good fundamental understanding of general bank operations, proficient understanding of the components of financial planning, deposit products, small business products, investment and insurance products.

    + Knowledge of nCino preferred

     

    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

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    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.