Portfolio Manager

First Horizon Bank•Atlanta, GA

7h•Onsite

About The Position

The Commercial Portfolio Manager partners with local Relationship Managers to provide daily credit analysis, underwriting, and portfolio management support for assigned commercial borrowers. This role involves leading the analysis, underwriting, origination, and portfolio management of loans in a growing commercial and corporate portfolio. The position requires utilizing loan structuring, risk identification, and risk mitigation skills, along with understanding and applying the Bank’s risk grading methodology and credit appetite. The manager will handle complex relationships and understand both C&I and income-producing real estate (CRE) borrowers. A key aspect is partnering with Relationship Managers to call on clients, identify needs for commercial products and services, develop lending proposals, and identify cross-sell opportunities. The role also includes oversight of post-approval due diligence requirements and commercial loan documentation preparation. Building and maintaining a portfolio mix of targeted high value and high potential clients, ensuring credit quality and portfolio servicing are maintained, is crucial. Additionally, the Portfolio Manager will partner with junior members of the commercial team, delegate tasks, and provide feedback and guidance to develop their skills.

Requirements

1-3 years of commercial underwriting and portfolio management experience
Bachelor's degree (or equivalent in work experience) required.
Ability to read, analyze and interpret financial reports and legal documents; performs simple to complex calculations; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals
Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with senior executives, business unit management and staff, state and federal regulators and officials and significant business partners
Accurate typing, spelling and grammar skills.
Strong written and oral communication skills.
Strong organizational and customer service skills.

Responsibilities

Leading the analysis, underwriting, origination, and portfolio management of loans in a growing commercial and corporate portfolio.
Utilizing loan structuring, risk identification, and risk mitigation skills.
Understanding and application of the Bank’s risk grading methodology and credit appetite.
Managing complex relationships and ability to understand both C&I and income-producing real estate (CRE) borrowers.
Partnering with Relationship Managers to call on current or potential clients; understands and identifies needs for commercial products and services; develops lending proposals; identifies cross-sell opportunities.
Oversight of post-approval due diligence requirements and commercial loan documentation preparation.
Building and maintaining a portfolio mix of targeted high value and high potential clients, ensuring credit quality and portfolio servicing are maintained in an acceptable manner.
Partnering with junior members of the commercial team to delegate tasks related to the origination and servicing of the loan portfolio.
Providing feedback and guidance in order to develop the skills of these teammates.
Performs all other duties as assigned