Location: On site at listed location. 

No sponsorship or relocation will be provided for this role. 

SUMMARY

The Commercial Credit Review Officer, Sr (Sr CRO) 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 RESPONSIBILITIES         Perform 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. SUPERVISORY RESPONSIBILITIES 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. 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 to 15 years commercial credit review related 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.

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. 

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