Lending Portfolio Manager

Lending Portfolio Manager

Job Description:

In supporting risk assessment and administration of the Bank's loan portfolio, the Lending Portfolio Manager conducts analytical reviews, monitors credit, and handles responsibilities such as conducting annual assessments, facilitating renewals, ensuring adherence to loan covenants, and managing financial collections for allocated loan portfolios. Collaborates with Relationship Managers to foster the growth and enhancement of a high-caliber and lucrative loan portfolio.

Responsibilities:

• Analyze important information to assign a risk level and decide on the acceptability of a potential or current credit as a tolerable risk.
• Detect changes in credit risk levels for customers and the portfolio, and communicate risk trends to management promptly.
• Assist Relationship Managers by participating in client meetings to better grasp the unique needs and preferences of customers.
• Obtain the necessary financial information to ensure precise risk evaluation and thorough underwriting assessment.
• Provide clarification to clients and double-check the precision of data for loan underwriting purposes.
• Assess the global cash flow pertaining to prospects, borrowers, and individuals providing guarantees for both commercial and personal purposes.
• Compile financial spreadsheets, credit presentations, narratives, relationship summaries, and loan pricing models for review.
• Support in establishing the pricing and framework for loan origination and extensions.
• Manage the coordination of activities related to closing and booking loans.
• Monitor changes in the industry landscape and evaluate data relevant to the industry to recognize potential risks.
• Ensure renewal communications are sent every 120 days and perform comprehensive checks to confirm compliance with loan covenants and annual appraisals.
• Stay in line with mandatory regulatory requirements and training sessions.
• Carry out any other assignments as instructed.

Qualifications:

• A bachelor's degree in business, finance, accounting, or related industry experience is required.
• The ideal candidate will have between two and four years of experience, with a minimum requirement of two years.
• Possesses a strong foundation in analytical techniques and credit assessment capabilities.
• Purpose-driven with a talent for resolving issues efficiently.
• Exceptional skill set in building and nurturing relationships through effective communication.
• Demonstrates strong capabilities in grammar, typing, and spelling.
• Proficient in managing activities efficiently and structuring time effectively.
• Skilled in the use of Microsoft Office applications like Word, Excel, PowerPoint, and Outlook.

First Horizon Corporation is a well-established regional financial services organization that focuses on empowering clients, communities, and employees by offering financial assistance and advice.

Benefits:

• The benefits package comprises medical coverage with wellness incentives, along with dental and vision benefits.
• A company-matched Health Savings Account (HSA) for healthcare expenses.
• Maternity and parental leave are designated periods during which employees can step away from their work responsibilities to focus on their family and caregiving duties.
• Tuition reimbursement.
• Mentor program.
• A 401(k) program in which the employer provides a matching contribution of 6%.

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