Commercial Relationship Manager
📋 Role Overview & Responsibilities
Location: On site, Birmingham AL
Summary
Develops new customer prospects and business with commercial clients, with the potential to manage a portfolio of commercial clients. Makes and services 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. Manages complex accounts or has an assigned market region of a complex nature.
Key Responsibilities Include
Maintains a client portfolio for the bankExpand existing client relationships which generate incremental revenue for the bank while developing new client relationships which generate acceptable returns for the bankWork with the Management and Underwriters to analyze the credit strengths and weaknesses of prospective borrowers and make loan decision recommendations, make recommendations on loan pricing which are competitive with the marketplace and achieve an acceptable return for the bank, and structure loans (term, covenants, collateral, guarantees, etc.) which appropriately protects the bankWork with Management to recognize client needs and matching the bank's capabilities to meet these needsMaintain a thorough knowledge of bank's lending policies and regulatory requirementsProvide mentoring and training to other bank associatesMaintain proper house-holding of relationshipsContinually 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 (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 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 Manager, Market President, Senior Credit Officer, and UnderwriterCRM and Under Writer work together to appropriately ensure accuracy of underwriting packageFinalize term sheets to meet client and bank needsEngage underwriting to update results of term sheet accordingly and as needed to be reviewed by deal teamBuilds and maintains a portfolio mix of targeted high value and high potential clients. Acts as a financial advisor by educating the customer about financial strategies (e.g. Financial planning, investments, insurance, credit, market trends) based on customer profile and financial plan, and matching customer needs with appropriate products and services. Monitors customer information/products, financial plan and market trends to identify new customer needs and opportunities to deliver further customer value. Work with Manager to coordinate credit decision with Market President, Senior Credit Officer, Executive Credit Officer, Chief Credit Officer and Chief Operations Officer. Create/Prepare Commitment Letter with Management supervisionFinalize any required conditions precedent as needed to ensure Loan Closing has all items neededResponsible for reviewing closing documents, communicating with clients and identifying portfolio weaknesses and trends and alerting management (Group Manager, Market President, Senior Credit Officer) to deteriorating portfolio conditionsEnsures client adherence to covenants with review of calculations, key provisions, and recommendations according to policyPerforms all other duties as assigned
Qualifications Include
Bachelor (4-year college) degree6-8 years of experience or an equivalent combination of education and experienceExperience with Microsoft Outlook, Word, and Excel
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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Frequently Asked Questions
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This position is located in Birmingham, AL with potential relocation and sponsorship assistance depending on candidate qualifications.
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