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First Horizon Bank · 1 day ago

Senior Credit Officer

Houston, TX

Full-time

Onsite

Senior Level, Lead/Staff

10+ years exp

First Horizon Bank is a leading regional financial services company dedicated to helping clients unlock their full potential. The Senior Credit Officer evaluates credit requests for Commercial and Private Client borrowers, manages portfolio relationships, and ensures compliance with credit policies and regulations.

BankingFinanceFinancial ServicesRisk Management

H1B Sponsor Likely

Responsibilities

Review credit packages, assist in structuring, and decision requests for existing borrowers and prospects. Provide recommendations and feedback to the line teams regarding specific loan requests as well as overall portfolio management. Evaluate existing borrower and prospective credit requests within established standards

Ensure that analyses accurately present credit risks, policy exceptions, regulatory compliance, and appropriate loan grading

Ensure all asset quality objectives are met and processes and procedures are in compliance with the company’s policies, practices, and regulatory requirements. Communicate results and any potential issues to both line and credit leadership

Manage existing portfolio relationships within established risk parameters and servicing requirements

Make recommendations of credit authority of line personnel and periodically review credit authority usage

Provide coaching, mentoring, and training to portfolio managers and credit analysts throughout the lending and approval process. Assist line management in the evaluation of the line personnel and help to identify training needs

Participate in internal loan review, audit and regulator examinations, and forecasting of asset quality indicators to top management

Contribute to the development and maintenance of First Horizon’s credit culture

Contribute to the establishment and review of credit policies

Demonstrate proficiency in content, interpretation and application of credit policy and awareness of and appropriate actions with regard to applicable laws and regulations

Qualification

Commercial banking experienceUnderwriting experienceCredit risk managementCredit policy knowledgeAnalytical abilitiesCustomer service skillsProficient with softwareRelationship buildingCommunicationOrganizational skills

Required

Ten years or more in commercial banking or 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

Excellent relationship building skills; collaborative work style

Proficient with applicable computer software

Excellent written and oral communication skills

Excellent organizational and customer service skills

Travel required, primarily to and from the markets mentioned above

Bachelor's degree required

Position will be located in Houston, Dallas, or Ft. Worth and will be in office with the teams supported

Preferred

Previous credit risk management experience

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)