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, mortgage, and title insurance 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. Summary The Centralized Commercial Lending - New Money Team is searching for a Commercial Underwriting, Sr responsible for evaluating business loan applications based on established Bank policies and procedures. Incumbent will evaluate the merits of a new money loan request in the $3MM-$5MM range of total exposure,
and either recommend a decision to a senior officer or use their own authority to decision the application. Key Responsibilities Include Review cash flows and Moody's Credit Lens spreads, prepared by the Credit Analyst, to conduct in-depth analyses of financial information to form a recommendation of approval or denial of new loans in accordance with the Bank's policy and procedures.
Prepare Credit Origination Memorandum in a clearly written concise manner, identifying strengths, risks and mitigating factors. Review, analyze and evaluate financial and pertinent data to determine credit worthiness of loan prospects and merits of specific loan requests. Collaborate with Relationship Managers,
leaders and Business Development Officers to gather all necessary information to present an accurate and complete backssment of the loan presented.
On occasion, interact with clients or representatives virtually or in person calls in conjunction with Relationship Manager. Ability to prepare high quality, detailed credit approval documents that contain an in-depth analysis, an understanding of and identification of credit issues and risks. Ability to spread and interpret financial statements, tax returns, and projections using Excel. Ability to provide recommendations on loan structuring and alternative structures that may be more appropriate for the transaction.
Ability to mentor/support junior underwriters and credit analysts Ability to work in a high-volume environment, meeting or exceeding Service Level Agreements and turn time goals throughout the process, providing credit decisions in a timely manner. Work independently on special projects related to credit topics and issues as requested by Bank Credit team(s). Support the Bank's strong relationship banking culture through on-going internal partner contact, quality customer service, and superior product knowledge. Understand and adhere to the Bank's Bank Secrecy Act policy and procedures and " know your customer/enhanced due diligence" guidelines.
Brings any suspicious activity to the attention of a supervisor, or the Bank Secrecy Act Officer. Follow all Bank policies and procedures to ensure compliance with all laws and regulations. High-level of knowledge or Non-Owner Occupied CRE structure and credit parameters is a plus May perform other duties as assigned. Qualifications Include Bachelor's degree required for consideration or equivalent combination of education and experience Ten (10)+ years of commercial credit underwriting experience Knowledge/Skills/Abilities/Training/Systems Fundamental understanding of commercial credit underwriting.
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. 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 Moody's Credit Lens preferred Knowledge of n Cino preferred 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 -- /First-Horizon-National-Corporation/Careers/Our-Benefits Follow Us Facebook -- /First Horizon Bank Twitter -- /First Horizon Bnk Linked In -- /company/first-horizon-bank Instagram -- /first_horizon You Tube -- /channel/UCEVs5OMj-b0H9Dr5Q209_-Q 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. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information.
41 CFR 60-1.35(c)PDN-9989ddeb-15e0-4f5a-95b5-9a9ed4d6f0e8
