SBA Product Officer Sr at First Horizon National Corporation in Dallas, TX

Location: On site at listed locations, Dallas, TX or Houston, TX

Summary

The SBA Banker develops new SBA loan volume within the Bank’s Footprint. This is hybrid position requiring support of internal referral source while simultaneously requiring continuous marketing efforts to establish external partners and leads. First Horizon is looking for SBA Experts with established networks that have a history of sourcing SBA transactions. This individual must also have shown the ability to successfully navigate the loan process from origination to closing, ensuring all SBA requirements are being met.

Key Responsibilities Include

Review opportunities with FHN Relationship Managers to initially assess credit quality, determine program fit and eligibility.

Accompany Relationship Mangers on physical or phone calls with SBA 7(a) loan prospects.

Support Relationship Manager to clearly communicate program benefits, terms, pricing and process.

Work with Relationship Mangers, CRA’s and SBA 7(a) loan prospects to obtain necessary loan documentation.

Serve as a source of knowledge of SBA regulations, credit guidelines, and secondary market interest rate appetite to Relationship Managers and SBA 7(a) loan prospects.

Maintain a presence in the market to aid in the direct origination of SBA opportunities.

Establish and maintain an efficient and productive working environment within the department based on continuous and effective staff communication.

Achieve established departmental goals within defined timelines, as well as define and implement a measurement of acceptable staff performance in order to safeguard the Bank’s loan portfolio.

Responsible for adhering to and complying with all Bank policies and Federal and State banking laws and regulations.

Performs all other duties as assigned

Qualifications Include

Bachelor (4-year college) degree

At least 10 years of SBA Lending experience

Reliable Productive Referral Network

Documented Production of $12,000,000+ per year

NAGGL/SBA Industry educational classes a bonus

Experience with Microsoft Outlook, Word, and Excel

Ability to identify and escalate variances (as appropriate)

Ability to offer appropriate resolutions to mitigate risk

Ability to think independently and as team player

Ability to meet deadlines under pressure

Current extensive SBA SOP 50-10 knowledge

Comprehensive knowledge of proper structure of SBA loan and SBA eligibility requirements

Demonstrates an understanding of applicable bank policies and procedures as they pertain to the satisfaction of loan closing conditions as well as vendor documents and services

Strong/effective verbal and written communication skills

Self-starter and works with minimal direction

Good personal computer skills with demonstrated knowledge of Microsoft EXCEL, WORD, Outlook

Strong time management and organizational skills evidenced in previous assignments.

Demonstrated above average problem-solving skills, excellent verbal and written communication skills, and ability to handle and prioritize multiple tasks.

Ability to read, analyze, and interpret common technical journals, financial reports, and legal documents.

Ability to write reports and correspondence routinely.

Ability to respond to common inquiries or complaints from clients, regulatory agencies, or members of the business community.

Willingness to travel up to 50% of time.

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.

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Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThe 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)