Location: On site, Birmingham AL

Summary

Assist management of client relationships by underwriting and servicing a wide variety of commercial loans and leases to build long-term and profitable Equipment Finance / Renewable Energy Finance portfolio and maximizing portfolio asset/revenue growth, profitability, and asset quality. This position manages complex accounts or has an assigned LOB of a complex nature.

Key Responsibilities Include

• Works in concert with the Equipment Finance / Renewable Energy PMs/RMs on current clients and prospects to complete the initial transaction evaluation, client due diligence meetings, credit underwriting / credit approval package preparation, and recommendation for approval of both transaction structure and overall exposure level.
• Responsible for portfolio management of assigned portfolio of Equipment Finance / Renewable Energy loans or lease relationships. This includes annual reviews and PD rating assignment as well as periodic financial review and covenant compliance reviews as required by the financing documents. Identifies emerging risks in the portfolio and raises to the LOB leader.
• Will be taught and expected to develop a high degree of knowledge of multiple industries including, but not limited to, transportation (trucking, marine, air, rail), manufacturing, leasing/rental, food production, medical, renewable energy (wind/solar/BESS), power & utilities, communications, construction, and retail among others. In addition, this position will help evaluate new markets and industries for the business unit to explore for growth opportunities.
• Educates clients and teammates about financial strategies relevant to both equipment finance as well as general banking needs (change to tax laws, accounting rules, market trends and how those may dictate financial strategy) based on customer profile and financial plan and matching customer needs with appropriate products and services. Monitors customer information / products, and market trends to identify new customer needs and opportunities to deliver further customer value.
• May assist Operations Manager with the daily activities of the department and specialize in working with outside counsel to prepare, review and negotiate legal documentation.

Qualifications Include

• Education Required: Bachelors
• Experience Required: 5-10 years (Experience Preferred: 10 years)
• Accurate typing, spelling and grammar skills
• Proficient with applicable computer software and Excel financial modeling
• Strong written and oral communication skills
• Good organizational and customer service skills
• Ability to manage multiple tasks accurately
• Attention to detail
• Strong work ethic, sense of urgency and ability work outside of normal business hours when needed

About UsFirst Horizon is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. With $81.7 billion in assets as of December 31, 2023, we serve clients through a team of approximately ~7,300 associates and ~418 banking centers throughout the southeastern United States. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. First Horizon has been recognized as one of the nation’s best employers by Fortune and Forbes magazines and 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 -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits

Corporate Diversity Commitment:
We remain committed to creating a more equitable society, and that starts with our associates, our clients, and the communities we serve. We do this by elevating equity, providing capital and counsel, and committing to excellence in everything we do.

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