Senior Credit Officer

3 days ago


Miami FL USA, United States First Horizon Bank Full time
Job Title: Senior Credit Officer

First Horizon Bank is seeking a highly skilled Senior Credit Officer to join our team in Southeast Florida. As a key member of our Commercial Banking group, you will be responsible for evaluating credit requests, reviewing annual analyses, and identifying potential credit risks.

Key Responsibilities:
  • Review and analyze credit packages to ensure compliance with established standards and policies.
  • Provide recommendations and feedback to line teams regarding specific loan requests and overall portfolio management.
  • Ensure that analyses accurately present credit risks, policy exceptions, regulatory compliance, and appropriate loan grading.
  • Manage existing portfolio relationships within established risk parameters and servicing requirements.
  • Make recommendations on credit authority usage and periodically review credit authority.
  • Provide coaching, mentoring, and training to portfolio managers and credit analysts throughout the lending and approval process.
  • Participate in internal loan review, audit, and regulator examinations, and forecasting of asset quality indicators to top management.
Requirements:
  • 10+ years of experience in commercial banking or a related field with demonstrated expertise in structuring commercial loans.
  • Underwriting experience is required; previous credit risk management experience is preferred.
  • Possesses an understanding of the current business environment, demonstrated knowledge of credit policy, and analytical abilities.
  • Goal and production-oriented with excellent relationship-building skills and a collaborative work style.
  • Proficient with applicable computer software and excellent written and oral communication skills.
  • Travel required – primarily in the markets mentioned above.
  • Bachelor’s degree required.
About Us:

First Horizon Bank 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.

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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