The Private Client Relationship Manager (PCRM) is responsible for developing and managing a portfolio of affluent and high-net-worth client relationships. The PCRM delivers full balance sheet advice through a team-based approach, providing customized banking, lending, and wealth solutions aligned with First Horizon’s commitment to excellence in client service.
ESSENTIAL DUTIES AND RESPONSIBILITIES- Manage and grow a portfolio of high-value clients by deepening existing relationships and acquiring new ones through proactive outreach and personalized financial solutions.
- Serve as a trusted financial advisor by thoroughly understanding each client’s financial situation, goals, and needs.
- Recommend and deliver customized solutions, including credit, deposits, investments, insurance, and wealth planning, utilizing internal specialists.
- Lead client conversations with advanced credit knowledge and structure complex credit and banking solutions.
- Collaborate with cross-functional partners—including credit, trust, mortgage, planning, and insurance—to deliver an integrated client experience.
- Drive growth through deposits, loans, and fee income; meet or exceed sales and client retention goals.
- Maintain a strong presence in the community to generate referrals and build new client relationships.
- Stay informed on economic, legal, and market trends impacting clients, acting as a resource to clients.
- Monitor and manage client portfolios for changes in financial status, product needs, and risk exposure.
- Ensure compliance with regulatory requirements and internal policies, completing required training on time.
- Act as a peer mentor and culture champion, modeling team-based collaboration and First Horizon values.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:
- Bachelor’s degree
- 1-3 years of experience in the financial services industry, preferably in private banking, wealth management or commercial banking.
- Proven record managing affluent and high-net-worth client relationships
- Advanced credit knowledge and experience structuring complex lending solutions
- Strong understanding of deposit, credit, and investment products
- Demonstrated success in a goal-oriented, performance-driven environment
- Excellent interpersonal, presentation, and relationship management skills
- Proficiency in Microsoft Office and CRM tools
- Must comply with SAFE Act requirements within 30 days of employment
- FINRA Series 6 or 7, 66 (63 and 65 in lieu of 66) and applicable insurance licenses (Life, health, and Variable.)
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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
- Bachelor's degree
- 1-3 years of experience in financial services, preferably private banking, wealth management, or commercial banking
- Experience managing affluent and high-net-worth client relationships
- Advanced credit knowledge and experience structuring complex lending solutions
- Strong understanding of deposit, credit, and investment products
- Success in a goal-oriented, performance-driven environment
- Excellent interpersonal, presentation, and relationship management skills
- Proficiency in Microsoft Office and CRM tools
- Compliance with SAFE Act requirements within 30 days of employment
- FINRA Series 6 or 7 and Series 66, or Series 63 and 65, plus applicable life, health, and variable insurance licenses
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.
