Located: Onsite a location listed in posting.
We’re seeking an experienced Senior Portfolio Manager to work with the Charlotte Commercial & Middle Market team. This role partners with local Relationship Managers and provides daily credit analysis, underwriting, and portfolio management support for assigned commercial and corporate borrowers. Tasks are completed in a fast-paced, production-based environment and include leading the loan structuring, underwriting, origination, and servicing responsibilities for their assigned loan portfolio. The incumbent works independently with support from other members of the team, providing mentoring and guidance to junior members of the portfolio management team and working closely with Credit Analysts. The ideal candidate works well in a team-focused setting and is comfortable balancing competing priorities in a deadline driven environment.
Daily responsibilities include:
- 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 relationships with the 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.
Required experience, education and skills:
- Minimum 6 to 8 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 computer skills required with the following programs: Word, Outlook, PowerPoint, and highly proficient skills with Excel.
- Strong written and oral communication skills.
- Strong organizational and customer service skills.
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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Skills Required
- Minimum 6 to 8 years of commercial underwriting and portfolio management experience
- Bachelor's degree or equivalent work experience
- Ability to analyze financial reports and legal documents
- Ability to perform financial calculations and evaluate information for decision-making and problem-solving
- Strong oral and written communication skills
- Ability to communicate effectively with executives, management, regulators, officials, and business partners
- Accurate typing, spelling, and grammar skills
- Strong computer skills using Word, Outlook, PowerPoint, and Excel
- Strong organizational and customer service 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.
