Private Banking Relationship Manager

4 weeks ago

Plano, Texas, United States First Horizon Bank Full time

Location: On site, Plano, TX

Summary

Private Bankers are responsible for business development of professional high net worth individuals and their related businesses, administering loan portfolios, providing clients with wealth management and treasury management solutions, cultivating current relationships, identifying and marketing to prospects, analyzing financial data and needs, and cross-selling products and services.

Key Responsibilities Include

  • Maintains a client portfolio for the bank (
  • Expand existing client relationships which generate incremental revenue for the bank
  • Develop new client relationships which generate acceptable returns for the bank
  • Work with the Management and Underwriters to analyze the credit strengths and weaknesses of prospective borrowers and make loan decision recommendations
  • Work with Management to make recommendations on loan pricing which are competitive with the marketplace and achieves an acceptable return for the bank
  • Work with Management to structure loans (term, covenants, collateral, guarantees, etc.) which appropriately protect the bank
  • Work with Management to recognize client needs and matching the bank's capabilities to meet these needs
  • Work with Management on loan structure, pricing, and other product/services for clients
  • Maintain a thorough knowledge of bank's lending policies and regulatory requirements with a particular knowledge of Consumer regulations
  • An ability to work with multiple channels to solve the client need: consumer, business banking and commercial.
  • Maintain proper house-holding of relationships
  • Utilize the appropriate underwriting channel for the client.
  • 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 (with Management) 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.
  • Works with other Team Members to appropriately ensure accuracy of underwriting package.
  • Create/Prepare term sheets, with Management supervision.
  • 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.
  • 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 supervision
  • 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 (Group Manager, Market President, Senior Credit Officer) 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. This role is responsible for completing of Probability of default and Loss Given Default models for on-going annual portfolio management.
  • Ensures client adherence to covenants with review of calculations, key provisions, and recommendations according to policy.

Qualifications Include

  • Bachelor degree at least 6 years of experience or equivalent combination of education and experience
  • Experience with Microsoft Office

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 --

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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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 c)

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