**Description** **Location** **: Onsite listed in the posted.** **SUMMARY** The Retail Credit Review Manager (Retail CRM) is responsible for helping administer Credit Assurance Services (CAS) credit review program and leading a team of Credit Review Officers (CROs) to evaluate asset quality and credit risk management practices within the bank’s centralized commercial and consumer lending groups (Retail) while ensuring compliance with bank policy, strategy, and risk appetite. The Retail CRM reports to the CAS Director and is expected to operate independently, following CAS policy and procedures to perform essential responsibilities, lead their team, and positively influence a sound credit risk management environment. They are highly experienced, exhibit strong leadership, communicate effectively, adept at managing multiple projects, and expected to adhere with all organizational and ethical standards. **ESSENTIAL DUTIES AND RESPONSIBILITIES** + Help determine annual Retail Review scope, monitoring plan, and review schedule. + Supervise direct reports while providing guidance, professional development, and support. + Perform and approve reviews/testing of centralized commercial transactions ($5 million and below; score-based and custom underwriting), including such lending segments: asset-based, equipment finance, commercial real estate, municipality, Small Business Administration, etc. + Perform and approve reviews/testing of centralized consumer transactions including portfolio mortgages, home equity lending, non-real estate secured lending, unsecured lending, etc. + Lead examinations, including planning, field work, communication, and reporting. + Employ data analytics support to monitor origination quality, asset quality, and credit risk management practices, including loan servicing, collections, and loss mitigation. + 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 Retail units and/or management to ensure satisfactory resolution. + Validate management’s success in addressing key issues identified by CAS and regulators. + Pursue professional development opportunities and complete required training. **SUPERVISORY RESPONSIBILITIES** + Requires direct supervision of two or more CROs in accordance with the organization’s policies and applicable laws. Specific responsibilities include hiring and terminating associates, providing training/professional development, evaluating performance, and directing overall work activities. **QUALIFICATIONS** + 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+ years retail credit review related experience + 3+ years of supervisory experience + Excellent oral and written communication skills **COMPUTER AND OFFICE EQUIPMENT SKILLS** + Microsoft Office suite **CERTIFICATES, LICENSES, REGISTRATIONS (Ex: CPA, Series 6 or 7 license, etc.)** + None required. **About Us** **First Horizon Corp. (NYSE: FHN)** , with $82.6 billion in assets as of September 30, 2024, is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com (https://urldefense.com/v3/\_\_https:/www.firsthorizon.com/\_\_;!!Cz2fjcuE!hpq9hPnrucZCPIAVPojVESItIq-FPzhurNdCrQ3JE8Rkx3gMd70nIk6\_kmPxl66\_oJCEsXs0gNunPowMAMHCmBYPOtUxUGI$) . **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 **Corporate Diversity Commitment:** We remain committed to creating a more equitable society, and that starts with our associates, our clients, and the communities we serve. We do this by elevating equity, providing capital and counsel, and committing to excellence in everything we do. **Follow Us** Facebook (https://www.facebook.com/FirstHorizonBank) X formerly Twitter LinkedIn (http://www.linkedin.com/company/first-horizon-bank) Instagram YouTube (https://www.youtube.com/channel/UCEVs5OMj-b0H9Dr5Q209\_-Q) Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)