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First Horizon Bank · 5 hours ago

Commercial Relationship Manager

Houston, TX

Full-time

Onsite

Senior Level

6+ years exp

First Horizon Bank is a leading regional financial services company dedicated to helping clients unlock their full potential. The Commercial Relationship Manager will develop new customer prospects, manage a portfolio of commercial clients, and build long-term profitable relationships to maximize portfolio revenue growth.

BankingFinanceFinancial ServicesRisk Management

Responsibilities

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 achieve an acceptable return for the bank

Work with Management to structure loans (term, covenants, collateral, guarantees, etc.) which appropriately protects 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

Provide mentoring and training to other bank associates

Maintain proper house-holding of relationships

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 Manager, Market President, Senior Credit Officer, and Underwriter

CRM and Under Writer work together 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

May assist International Operations manager with the daily activities of the department and specialize in Letters of Credit

Builds 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

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 clients

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

Ensures client adherence to covenants with review of calculations, key provisions, and recommendations according to policy

Performs all other duties as assigned