Commercial Credit Policy Consultant

Company: First Horizon
Location: Charlotte
Posted on: March 28, 2026

Job Description:

Location: On site in Birmingham, AL; Chattanooga, TN; Charlotte, NC; Memphis, TN Summary The Commercial Credit Policy Consultant will be responsible for certain aspects of First Horizon’s commercial credit policy, ensuring that the policies align with the bank’s Board-approved risk appetite; that they adapt to meet the challenges of a changing operating environment and internal technology landscape; and that Commercial and Specialty associates (including those in the Regional Banking Group, Specialty Banking Group and Credit) are well-trained regarding the requirements of the bank’s policies and procedures. Specifics duties and responsibilities include: At the direction of the Chief Risk Officer, Chief Credit Officer or their designees, and in conjunction with subject matter experts from Credit and from the Lines of Business, crafting proposed policy language and bringing policy changes forward for discussion within the context of the Business Credit Risk Working Groups. At the request of leaders in the Commercial and Specialty Lines of Business, facilitating discussion of policy changes that improve the bank’s competitive position, or enable a strategic expansion, while maintaining prudent, safe and sound lending practices. Preparing policy change language for approval in the appropriate working groups, the Credit Risk Management Committee and the Board Risk Committee. Presenting policies for periodic review by senior management and/or the Board Risk Committee. Ensuring that all policy changes are appropriately communicated and that significant and/or complex changes to policy are accompanied with training for impacted associates. Assisting Credit and Line of Business leaders in their efforts to implement and operationalize the bank’s policies – for example, by providing consultative advice on the creation of underwriting tools and templates to help associates originate and monitor credits in adherence with policy. Deploying and updating the policy language on First Horizon’s internally-hosted policy site. Working with the team responsible for the bank’s commercial loan origination platform to ensure that policy exceptions are appropriately tracked. In addition to management of the commercial credit policy, the Commercial Credit Policy Consultant will assist the Director of Credit & Financial Risk and the Credit Policy and Governance Manager with strategic initiatives, including short term projects, quality control reviews, quarterly enterprise credit governance documentation, and preparation for regulatory examinations. Requirements: Bachelors degree (preferably in Finance, Accounting or Economics) 5 to 7 years of commercial banking experience Specific experience in a commercial credit role (credit analyst, credit underwriter, portfolio manager, credit policy analyst/manager etc.) General understanding of various commercial borrower and facility types across C&I and CRE lending Strong written and verbal communication skills, including the ability to facilitate discussions with senior leaders and present to large groups Proficient with Microsoft Office applications (Word, Excel, PowerPoint, Webex, Teams) Strong organizational skills 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, Charlotte , Commercial Credit Policy Consultant, Accounting, Auditing , Charlotte, North Carolina