Portfolio Manager

Portfolio Manager

The Portfolio Manager assists in the assessment of risk and management of the Bank's loan portfolio by providing analytical and credit oversight and is responsible for underwriting new loans, annual reviews, renewals, loan covenant compliance reviews and financial collection within assigned loan portfolio. Partners with Relationship Managers to grow and develop a high quality and profitable loan portfolio.

Key Responsibilities :

• Evaluates pertinent information to determine risk rating and whether a prospect and / or existing credit is an acceptable risk; identifies credit risk trends at the customer and portfolio level; notifies the portfolio management team leader, senior credit officer and commercial line manager of risks on a timely basis.
• Meets with current and prospective clients to understand the specific customer requirements and needs.
• Collects appropriate financial data and information to ensure an accurate risk assessment and thorough underwriting.
• Answers client questions; ensures all data is accurate for loan underwriting.
• Analyzes global cash flow for restaurant, fitness and convenience and gas prospects, borrowers and guarantors to identify financial condition, profitability, repayment ability, operating trends, financial support of credit and other various financial indicators for enterprise value and real estate related credit requests within established policy, guidelines, and turnaround times.
• Prepares all required financial spreads, Credit Presentation Sheets, Narrative, Relationship Summary, and prepares packages for approval on all new and existing credits.
• Assists in the structure of new loans and renewals.
• Coordinates closing and booking events.
• Monitors industry trends and analyzes specific industry trend data to identify potential areas of risk.
• Completes loan covenant compliance and annual loan reviews and review findings.
• Completes, passes and maintains an up-to-date status for all positional and company required compliance and regulatory courses by assigned due date(s).
• Performs all other duties as assigned.

Qualifications Include :

First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services.

Benefit Highlights :

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities