Commercial Underwriter, Sr - CCL Renewal

Location: On site at location listed in job posting.

Summary 

The Centralized Commercial Lending – Renewal Team is searching for a Commercial Underwriter, Sr, responsible for evaluating loan applications based on established bank policies and procedures.  This position will primarily be for our renewal group.

Candidate will evaluate the merits of any credit in the $1MM to $5MM range of exposure and either recommend a decision to a senior officer or use their own authority to decision the application.   Candidate should be comfortable underwriting and structured non-owner occupant / investment real estate properties.

Duties and Responsibilities:

• Review cash flows and Moody’s spreads prepared by the Credit Analyst, conduct in-depth analyses of financial information to form a recommendation of approval or denial of new loans in accordance with the Bank’s policy and procedures.  Prepare Credit Origination Memorandum in a clearly written concise manner, identifying strengths, risks and mitigating factors.  Review, analyze and evaluate financial and pertinent data to determine credit worthiness of loan prospects and merits of specific loan requests. Collaborate with Relationship Managers, leaders and Business Development Officers to gather all necessary information to present an accurate and complete assessment of the loan presented. On occasion interact with clients or representatives virtually or in person calls in conjunction with Relationship Manager on larger credits.
• High level of knowledge of non-owner occupied CRE structure and credit parameters
• Ability to prepare high quality, detailed credit approval documents that contain an in-depth analysis, an understanding of and identification of credit issues and risks.  Ability to spread and interpret financial statements, tax returns, and projections using Excel.
• Ability to provide recommendations on loan structuring and alternative structures that may be more appropriate for the transaction.
• Ability to mentor/support junior underwriters
• Ability to work in a high-volume environment, meeting or exceeding Service Level Agreements and turn time 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 Bank Credit team(s).
• Support the Bank's strong relationship banking culture through on-going internal partner contact, quality customer service, and superior product knowledge. Understand and adhere to the Bank's Bank Secrecy Act policy and procedures and "know your customer/enhanced due diligence" guidelines. Brings any suspicious activity to the attention of a supervisor, or the Bank Secrecy Act Officer. Follow all Bank policies and procedures to ensure compliance with all laws and regulations.
• May perform other duties as assigned.

Education and Experience

• Bachelor’s degree required for consideration or equivalent combination of education and experience
• Minimum Eight (8) 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.
• Good written and oral communication skills.
• Good fundamental understanding of general bank operations, proficient understanding of the components of financial planning, deposit products, small business products, investment and insurance products.
• High level of knowledge or Non Owner Occupied CRE underwriting preferred,
• 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. 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. 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. More information is available at www.FirstHorizon.com.  

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 

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