The Commercial Credit Review Officer-Loan Review, is responsible for evaluating portfolio quality and credit risk management practices within the commercial bank’s centralized lending group, regional markets, and specialty business lines while ensuring compliance with bank policy, strategy, and risk appetite. The Sr CRO typically reports to a Credit Review Manager and is expected to operate independently, following Credit Assurance Services (CAS) policy and procedures to perform essential responsibilities and positively influence a sound credit risk management environment. They are highly experienced, exhibit leadership, communicate effectively, able to manage multiple, complex reviews or projects, and expected to adhere with all organizational and ethical standards.
ESSENTIAL DUTIES AND RESPONSIBILITIESPerform credit reviews of complex commercial relationships across various portfolio segments, including asset-based lending, asset/equipment finance, commercial real estate, corporate banking, correspondent banking, franchise finance, energy, healthcare, mortgage warehouse, and music/sports/entertainment.
Lead examinations, including planning, field work, communication, and reporting.
Monitor commercial units, assessing portfolio quality and credit risk management practices.
Identify emerging risks from review trends, portfolio, industry, and economic information, and frequent interaction with Line and Credit Risk partners.
Identify key issues, determine root causes, recommend corrective action, and collaborate with respective commercial units and/or management to ensure satisfactory resolution.
Validate management success in addressing key issues identified by CAS and regulators.
Complete assigned departmental reporting, special projects, and quality control reviews.
Provide mentoring/training to other CAS Commercial Review team members.
Pursue professional development opportunities and complete required training.
The Commercial Credit Review Officer, Sr (Sr CRO)- Loan Review is responsible for evaluating portfolio quality and credit risk management practices within the commercial bank’s centralized lending group, regional markets, and specialty business lines while ensuring compliance with bank policy, strategy, and risk appetite. The Sr CRO typically reports to a Credit Review Manager and is expected to operate independently, following Credit Assurance Services (CAS) policy and procedures to perform essential responsibilities and positively influence a sound credit risk management environment. They are highly experienced, exhibit leadership, communicate effectively, able to manage multiple, complex reviews or projects, and expected to adhere with all organizational and ethical standards.
No direct supervisory responsibilities; the position does require effective oversight of staff member activities during examinations or special projects and the ability to mentor/train new or less experienced team members.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are generally representative of the knowledge, skills, and/or abilities required in this position:
Bachelor (4-year college) degree; Master’s degree preferred
10 to 15 years commercial credit review related experience
Excellent oral and written communication skills
Microsoft Office suite
None required.
Skills Required
- Bachelor's degree from a four-year college
- 10 to 15 years of commercial credit review experience
- Excellent oral and written communication skills
- Master's degree
- Microsoft Office Suite skills
First Horizon Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about First Horizon Bank and has not been reviewed or approved by First Horizon Bank.
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Retirement Support — Retirement offerings include a 401(k) plan with company matching contributions up to 6% of pre-tax income, alongside FSA/HSA options and a defined benefit pension plan. Stock purchase and equity programs (including options and RSUs) also add to longer-term wealth-building opportunities for eligible employees.
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Parental & Family Support — Parental leave is available for childbirth, adoption, foster parenting, or surrogacy, and adoption reimbursement is included in the package. These family-building benefits broaden support beyond traditional maternity/paternity leave structures.
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Wellbeing & Lifestyle Benefits — Wellbeing support includes an internal wellness program, an employee assistance program, and access to a digital wellness platform. Group life insurance and disability coverage (including no-cost options) strengthen financial protection and day-to-day support.
First Horizon Bank Insights
What We Do
When we opened our doors in 1864 on North Court Street in Memphis, we had a simple mission: to provide the best service to our customers, one opportunity at a time. In the 150 years that followed, our communities transformed and expanded. We’ve seen our business and banking in general grow and adapt to the changing needs of customers through the years. But one thing that will always remain constant is our commitment to financial integrity and to helping our customers take good care of their money.
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