Senior Market & Investor CRE Portfolio Manager
Company: First Horizon
Location: Orlando
Posted on: March 30, 2026
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Job Description:
Provides analytical and monitoring support for large commercial
real estate loans including an independent analysis of the
creditworthiness of customers and prospects. ESSENTIAL DUTIES AND
RESPONSIBILITIES The Portfolio Manager – Market/ Investor CRE will
be responsible for preparing comprehensive credit analyses on
non-owner occupied commercial real estate loans that facilitates
the credit approval process. The Portfolio Manager should have a
thorough understanding of various types of lending facilities as
well as commercial real estate product types (i.e. retail, office,
multi-family, lodging, industrial, ALF/ senior living, etc.). In
addition, the Portfolio Manager will be responsible for monitoring
the real estate portfolio including, but not limited to, periodic
review and analysis of financial information, identification of
negative trends, and preparation of covenant checks in support of
the commercial lending function. Market/ Investor CRE Underwriting
Manager to provide production goals based upon needed level of
supervision and complexity of deal flow. ROLES AND RESPONSIBILITIES
- COMMERCIAL LOAN ORIGINATION PROCESSES Provide an analysis of real
estate projects and spread financial statements as provided by
Commercial Relationship Manager Prepare Loss Given Default and
Probability of Default models for new and renewal opportunities
Provide supporting documentation and participate in Deal Team
meetings between Relationship Manager, Market Approvers and Credit
Approvers Maintain responsibility for completion of the Credit
Approval Package via the Commercial Credit Memo in nCinco and
accompanying Credit Memo Narrative (as applicable) once engaged by
Relationship Manager, and after receipt of Opportunity Memo
explaining the request. Key items: Ensure deal structure and
analysis is reflective of customer accepted term sheet and Deal
Team meeting conclusions Work directly with the Relationship
Manager to ensure accurate reflection of financial. Work directly
with the Relationship Manager to ensure accurate preparation of
Loss Given Default and Probability of Default models at time of
new/renewal requests Review and analyze appraisals and/or market
data relative to the request. Follow the Appraisal Reconciliation
procedures for loans approved subject to receipt and review of the
appraisal. Ensure coding is accurate Ensure recognition of Policy
Exceptions including mitigants Include an approval recommendation
with supporting commentary Ensure Credit Packages are submitted for
approval in accordance with the appropriate lending matrix
authority After approval, finalize Loss Given Default and
Probability of Default models Upload final approved Credit Package
and other supporting documentation used in underwriting into Attend
client meetings with the Relationship Manager (when possible)
Market/ Investor CRE Portfolio Managers are to adhere to Service
Level Agreements as outlined in Workflow Procedures. ROLES AND
RESPONSIBILITIES – PORTFOLIO MANAGEMENT Review monthly, quarterly
and annual rent rolls, operating statements, etc. for progress,
trends, issues, etc. Identify portfolio weaknesses and trends and
alert Relationship Manager and Market/ Investor CRE Underwriting
Manager to deteriorating portfolio conditions Prepare covenant
checks as required by Loan Agreement and follow procedures for the
handling of loans deemed to be “out of compliance.” Update nCinco
as covenant checks are completed and advance the days accordingly.
Monitor progress on construction loans via inspection reports,
progress relative to borrower projections, delays, etc. Prepare
annual reviews Update Loss Given Default and Probability of Default
models according to required due dates, upon completion of
construction or as a result of changing conditions that impact the
risk profile Proactively manage upcoming loan maturities and
renewals working with the Relationship Manager Monitor past dues
and overdrafts working with the Relationship Manager to resolve
Ensure loans are coded correctly on the loan system once approved
and booked. Ensure construction loans are correctly re-coded once a
project is complete Once a loan is booked, ensure that the covenant
definitions in nCinco match the requirements in the Loan Agreement.
Review Loan Reviews and respond as appropriate to any noted
deficiencies Ensure nCinco is updated with the appropriate
documentation evidencing the monitoring of the portfolio according
to the applicable procedures. Attend client meetings with the
Relationship Manager (when possible) Attend portfolio review
meetings with product partners ROLES AND RESPONSIBILITIES – OTHER
All other duties as assigned SUPERVISORY RESPONSIBILITIES None
QUALIFICATIONS - to perform this job successfully, an individual
must be able to perform each essential duty satisfactorily. The
requirements listed below are representative of the knowledge,
skill, and/or ability required. Reasonable accommodations may be
made to enable individuals with disabilities to perform the
essential functions. EDUCATION AND/OR EXPERIENCE Bachelors degree
(B. A.) from four-year college or university; 5-10 years related
experience and/or training preferred (job grade (I-IV) will be
determined based on years/ level of experience); Prior experience
underwriting Commercial Real Estate loans is required. LANGUAGE
SKILLS Ability to read, analyze, and interpret general business
periodicals, professional journals, technical procedures, or
governmental regulations. Ability to write reports, business
correspondence, and procedure manuals. Ability to effectively
present information and respond to questions from groups of
managers, clients, customers, and the general public. MATHEMATICAL
SKILLS Ability to work with mathematical concepts such as
probability and statistical inference. Ability to apply concepts
such as fractions, percentages, ratios, and proportions to
practical situations. REASONING ABILITY Ability to solve practical
problems and deal with a variety of concrete variables in
situations where only limited standardization exists. Ability to
interpret a variety of instructions furnished in written, oral,
diagram, or schedule form. COMPUTER AND OFFICE EQUIPMENT SKILLS
Microsoft Office Suite (including MS Excel and MS Word), facsimile
machine, Copier, Scanner, Hewlett Packard 12 C Calculator (or
equivalent), Financial Spreading Software. CERTIFICATES, LICENSES,
REGISTRATIONS None About Us First Horizon Corporation 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 nations 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
Keywords: First Horizon, Land O' Lakes , Senior Market & Investor CRE Portfolio Manager, Accounting, Auditing , Orlando, Florida
