Senior Commercial Underwriter - Banking

Location: On site at location listed in job posting.
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 . 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.
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. 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
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.
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.
Strong MS Office skills, especially with Excel.
Good fundamental understanding of general bank operations, proficient understanding of the components of financial planning, deposit products, small business products, investment and insurance products.
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.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. S. Bank. Medical with wellness incentives, dental, and vision

• Tuition reimbursement
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