**Description** **Location:** On site in Birmingham, AL , New Orleans, LA, Memphis or Nashville, TN , Charlotte, NC, Atlanta, GA, Orlando, FL, Greenville, SC **Summary** The SBA Underwriter will be responsible for evaluating Small Business Administration (SBA) loan applications based on established criteria and SBA Standard Operating Procedures. Candidate must have 8 or more years of underwriting experience with at least 5 years of SBA experience. Candidate will evaluate the merits of the request and either recommend a decision to a senior credit officer or use their own authority to decision the application. **Key Responsibilities Include** + Conduct in-depth analysis of financial information to form a recommendation of approval or denial of new loans. + Analyze and evaluate financial and related data to determine credit worthiness of loan prospects and merits of specific loan requests. + Collaborate with the Product Specialists and Relationship Managers to gather all necessary information to present an accurate and complete picture of the loan presented. + Prepare high quality, detailed credit approval documents that contain an in-depth analysis and an understanding and identification of credit issues and risks in accordance with the SBA’s SOP. + Outline the risks and mitigating factors of a credit facility based upon the analysis of business and personal financial statements, collateral, global cash flow, economic and industrial factors and debt service capacity. + Spread and interpret financial statements, tax returns, and projections using Excel and CreditLens. Completing spreads, cash flow, analysis and preparing a credit authorization with a credit decision recommendation in accordance with Bank’s and SBA policy and the current Small Business Administration (SBA) Standard Operating Procedures. + Provide additional recommendations on loan structure and alternatives that may be more appropriate for the transaction. + Assignment of accurate risk ratings for new loans. + Follow all Bank policies and procedures to ensure compliance with all laws and regulations. + Meet or exceed service level agreements. + Prepare Credit Memorandums. + Performs other related duties as assigned. **Qualifications Include:** + Bachelor’s degree required for consideration or equivalent combination of education and experience + Eight (8) years or more of commercial credit underwriting experience with at least 5 years of SBA underwriting experience. Knowledge/Skills/Abilities/Training/Systems + Fundamental understanding of commercial credit underwriting with an emphasis on SBA. + Above average knowledge of the SBA SOP 50-10. + Ability to interact with all levels of clients, staff and management. + Ability to offer appropriate resolutions to mitigate risk + Ability to think independently and as team player + Must be organized and detail oriented with the ability to multitask. + Ability to work under pressure to meet deadlines. + Good written and oral communication skills. + Strong MS Office skills, especially with Excel. + Knowledge of Moody’s CreditLens preferred + Knowledge of nCino preferred. **About Us** First Horizon is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. With $81.7 billion in assets as of December 31, 2023, we serve clients through a team of approximately ~7,300 associates and ~418 banking centers throughout the southeastern United States. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. 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. **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)