First Horizon Bank
CCL Renewal Underwriter
at
First Horizon Bank
Location:
On site at Nashville, TN; Memphis, TN; New Orleans, LA; Birmingham, AL.
At First Horizon Bank Operations we are on a mission to deliver a seamless customer experience. We collaborate with internal business partners to delight customers and create an environment where everyone’s ideas are valued. Team members serve with humility and a deep commitment to being the best at serving customers one opportunity at a time.
Summary The Centralized Commercial Lending – Renewal Team is searching for a Commercial Underwriter II responsible for evaluating business loan applications based on established Bank policies and procedures. The candidate will evaluate existing loan requests in the $1MM‑$3MM exposure range and either recommend a decision to a senior credit officer or make a decision within their authority.
Key Responsibilities
Review cash flows and Moody’s spreads (self‑prepared or by Credit Analyst) and conduct in‑depth analyses of financial information to recommend approval or denial of new loans in accordance with the Bank’s policy. Prepare Credit Origination Memoranda that are clear, concise, and identify strengths, risks, and mitigating factors.
Prepare high‑quality credit approval documents with detailed analysis, identification of credit issues and risks, and interpretation of financial statements, tax returns, and projections using Excel.
Provide recommendations on loan structuring and alternative structures that may be more appropriate for the transaction.
Work in a high‑volume environment, meeting or exceeding Service Level Agreements and turnaround 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 the Bank Credit team(s).
Support the Bank’s relationship banking culture through ongoing internal partner contact, quality customer service, and superior product knowledge. Understand and adhere to the Bank’s Bank Secrecy Act policies and “know your customer/enhanced due diligence” guidelines, reporting suspicious activity as required.
May perform other duties as assigned.
Requirements
Bachelor’s degree or equivalent combination of education and experience.
Three (3) to five (5) years of commercial credit underwriting experience.
Knowledge, Skills, Abilities, Training, Systems
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, deposit products, small business products, investment and insurance products.
Knowledge of Moody’s CreditLens preferred.
Knowledge of nCino preferred.
About Us 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. Offering commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income and mortgage banking services, First Horizon has been recognized as one of the nation’s best employers by Fortune and Forbes and is a Top 10 Most Reputable U.S. Bank.
Benefit Highlights
Medical with wellness incentives, dental, and vision
HSA with company match
Maternity and parental leave
Tuition reimbursement
Mentor program
401(k) with 6% match
More benefits available at FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
Seniority Level: Mid‑Senior level | Employment Type: Full‑time | Job Function: Finance and Sales.
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at
First Horizon Bank
Location:
On site at Nashville, TN; Memphis, TN; New Orleans, LA; Birmingham, AL.
At First Horizon Bank Operations we are on a mission to deliver a seamless customer experience. We collaborate with internal business partners to delight customers and create an environment where everyone’s ideas are valued. Team members serve with humility and a deep commitment to being the best at serving customers one opportunity at a time.
Summary The Centralized Commercial Lending – Renewal Team is searching for a Commercial Underwriter II responsible for evaluating business loan applications based on established Bank policies and procedures. The candidate will evaluate existing loan requests in the $1MM‑$3MM exposure range and either recommend a decision to a senior credit officer or make a decision within their authority.
Key Responsibilities
Review cash flows and Moody’s spreads (self‑prepared or by Credit Analyst) and conduct in‑depth analyses of financial information to recommend approval or denial of new loans in accordance with the Bank’s policy. Prepare Credit Origination Memoranda that are clear, concise, and identify strengths, risks, and mitigating factors.
Prepare high‑quality credit approval documents with detailed analysis, identification of credit issues and risks, and interpretation of financial statements, tax returns, and projections using Excel.
Provide recommendations on loan structuring and alternative structures that may be more appropriate for the transaction.
Work in a high‑volume environment, meeting or exceeding Service Level Agreements and turnaround 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 the Bank Credit team(s).
Support the Bank’s relationship banking culture through ongoing internal partner contact, quality customer service, and superior product knowledge. Understand and adhere to the Bank’s Bank Secrecy Act policies and “know your customer/enhanced due diligence” guidelines, reporting suspicious activity as required.
May perform other duties as assigned.
Requirements
Bachelor’s degree or equivalent combination of education and experience.
Three (3) to five (5) years of commercial credit underwriting experience.
Knowledge, Skills, Abilities, Training, Systems
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, deposit products, small business products, investment and insurance products.
Knowledge of Moody’s CreditLens preferred.
Knowledge of nCino preferred.
About Us 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. Offering commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income and mortgage banking services, First Horizon has been recognized as one of the nation’s best employers by Fortune and Forbes and is a Top 10 Most Reputable U.S. Bank.
Benefit Highlights
Medical with wellness incentives, dental, and vision
HSA with company match
Maternity and parental leave
Tuition reimbursement
Mentor program
401(k) with 6% match
More benefits available at FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
Seniority Level: Mid‑Senior level | Employment Type: Full‑time | Job Function: Finance and Sales.
#J-18808-Ljbffr