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First Horizon Bank · 5 hours ago

CCL Renewal Underwriter

Brentwood, TN

Full-time

Onsite

Mid Level

3+ years exp

First Horizon Bank is a leading regional financial services company dedicated to helping clients unlock their full potential. They are seeking a Commercial Underwriter II to evaluate business loan applications and make recommendations based on established policies and procedures.

BankingFinanceFinancial ServicesRisk Management

H1B Sponsor Likely

Responsibilities

Review cash flows and Moody’s spreads either self-prepared or prepared by the Credit Analyst, 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 Relationship Managers to gather all necessary information to present an accurate and complete assessment of the loan presented

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 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

May perform other duties as assigned

Qualification

Commercial credit underwritingFinancial analysisExcel proficiencyMoody’s CreditLensNCinoMultitaskingWritten communicationOral communicationOrganizational skillsDetail oriented

Required

Bachelor's degree required for consideration or equivalent combination of education and experience

Three (3) to five (5) years of commercial credit underwriting experience

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

Must be able to work independently and make sound decisions

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

Preferred

Knowledge of Moody's CreditLens preferred

Knowledge of nCino preferred

Benefits

Medical with wellness incentives, dental, and vision

HSA with company match

Maternity and parental leave

Tuition reimbursement

Mentor program

401(k) with 6% match

Company

First Horizon Bank

Glassdoor3.6

First Horizon Bank provides personal, business, and corporate banking, and private client services, to families and businesses.

Founded in 1864

Raleigh, North Carolina, USA

5001-10000 employees

https://www.firsthorizon.com/pmc

H1B Sponsorship

First Horizon Bank has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2025 (36)

2024 (31)

2023 (15)

2022 (17)

2021 (19)

2020 (16)