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First Horizon Bank · 6 days ago

Middle Market Relationship Manager

New York, NY

Full-time

Onsite

Mid, Senior Level

6+ years exp

First Horizon Bank is a leading regional financial services company dedicated to helping clients achieve their business goals. The Middle Market Relationship Manager will develop and maintain banking relationships with high revenue generating organizations, analyze credit strengths and weaknesses, and ensure the delivery of high-level service while managing risk and credit decisions.

BankingFinanceFinancial ServicesRisk Management

Responsibilities

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, make recommendations on loan pricing which are competitive with the marketplace and achieve an acceptable return for the bank, and 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

Maintain a thorough knowledge of bank's lending policies and regulatory requirements

Maintain proper house-holding of relationships

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 and 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

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

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. Monitors customer information/products, financial plan and market trends to identify new customer needs and opportunities to deliver further customer value

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, communicating with clients and identifying portfolio weaknesses and trends and alerting management (Group Manager, Market President, Senior Credit Officer) to deteriorating portfolio conditions

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

Performs all other duties as assigned