Location: On site in Atlanta, GA.

At First Horizon Bank Operations, we are on a mission to deliver a seamless customer experience.  We are passionate about doing things right and doing the right things.  We collaborate with each other and with our internal business partners to delight our customers.  We believe in creating an environment where everyone’s ideas are valued so that the team operates at its best.  Our team members serve with humility and a deep commitment to their responsibility to be the best at serving their customers one opportunity at a time.

Summary:

Manages and performs due diligence required to collect, manage, examine and accept the required documentation from clients for loan closings. Interacts directly with applicants, bankers, attorneys, and third-party providers including the SBA, small business administration, and CDC business partners throughout the process.

Essential Duties and Responsibilities:

Collects, audits and examines all documents essential for loan closing, not limited to tracking, engaging and confirming compliance of all third-party reports, e.g. real estate appraisals, environmental reports, business valuations, franchise reports and agreements, flood certification and UCC searches, filings, title reports, etc. Submits for Terms and Conditions in accordance with loan approval and credit analysis. Prepare amendments as needed while obtaining proper SBA approval based on program participation levels. Leads in all channels of communication with client, SBA Bankers, Attorneys, within the loan closing process. Reviews SBA loan approvals to ensure correct updated client checklist items are identified and provided timely. Ensure weekly client calls are established, and deliverables are accurate. Submit GP and PLP loans via ETRAN for approval (Terms and Conditions) Clears all Compliance pre-check codes. Request EIDL subordinations when needed Verify equity injections requirements Assist with an internal and external SBA loan file audit. Tracks and funds Guarantee Fee to meet SBA requirements. Builds, scans, assembles and maintains all loan files in accordance with company procedures, processes, and standards and in accordance with company and SBA audit requirements. Audits, reviews, accepts, or obtains proper approval of all loan documentation preceding and after loan closing to ensure all necessary documentation is obtained and properly completed in accordance with the company and SBA guidelines. Follow up with applicants or applicable parties as needed to obtain missing information. Review all information, cross-check data for inconsistency and document any non-standard matters with proper approval. Completes and/or reviews all required loan closing documentation following Bank and SBA guidelines. Creates and maintains all tracking checklists to validate loan closings are managed within guidelines. Perform the proper follow up and collection of post close documentation to support the loan per tickler reporting. Manages the closing process to create for the client an efficient and pleasant experience. Manages the information flow with banks, SBA legal counsel, and others involved in the loan process. Develop close working partnerships with all appropriate parties during the loan documentation and closing process. Accounts for all fees and charges due within each loan file to minimize loss or missed fee reimbursement. Prepare and process all loan funding requests to maintain accurate records, documentation and account reconciliation. Reports all loan inconsistencies, properly validate all information provided within the loan due diligence process and maintain the highest ethical integrity throughout the loan process. Performs other duties as assigned.

Qualifications:

Bachelor’s degree or equivalent work experience At least 3 years of US Small Business Administration Lending Program Concentration (emphasis on 7(a)) At least 5 years of commercial loan and/or SBA documentation experience

Preferred Requirements:

Strong working knowledge of SBA loan packaging, application and loan documentation (express, 7a, and 504 loan programs). Excellent verbal, written, and interpersonal communication skills. Team player able to work effectively in a team fostered, multi-tasking environment. Exceptional computer, internet and software application skills. Exceptional client service skills.

Hours:

Monday - Friday 8:00 AM - 5:00 PM

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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