Senior Credit Officer

10 hours ago


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

Join First Horizon Bank as a Senior Credit Officer and play a critical role in evaluating credit requests for Commercial and Private Client borrowers in the South Region. As a key member of our team, you will be responsible for reviewing credit packages, assisting in structuring, and decision requests for existing borrowers and prospects.

Key Responsibilities:
  • Credit Evaluation: Evaluate existing borrower and prospective credit requests within established standards, ensuring that analyses accurately present credit risks, policy exceptions, regulatory compliance, and appropriate loan grading.
  • Portfolio Management: Manage existing portfolio relationships within established risk parameters and servicing requirements, ensuring all asset quality objectives are met and processes and procedures are in compliance with the company's policies, practices, and regulatory requirements.
  • Training and Development: Provide coaching, mentoring, and training to portfolio managers and credit analysts throughout the lending and approval process, assisting line management in the evaluation of line personnel and helping to identify training needs.
  • Regulatory Compliance: Participate in internal loan review, audit, and regulator examinations, and forecasting of asset quality indicators to top management, ensuring compliance with applicable laws and regulations.
Requirements:
  • Experience: Ten years or more in commercial banking or a related field with demonstrated expertise in structuring commercial loans, underwriting experience, and previous credit risk management experience.
  • Skills: Excellent relationship building skills, collaborative work style, proficient with applicable computer software, excellent written and oral communication skills, and excellent organizational and customer service skills.
  • Education: 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. We serve clients through a team of approximately 7,300 associates and 418 banking centers throughout the southeastern United States.

We are 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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