Retail Credit Review Manager
Company: First Horizon
Location: Birmingham
Posted on: July 1, 2025
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Job Description:
The Retail Credit Review Manager (Retail CRM) is responsible for
helping administer Credit Assurance Services (CAS) credit review
program and leading a team of Credit Review Officers (CROs) to
evaluate asset quality and credit risk management practices within
the bank’s centralized commercial and consumer lending groups
(Retail) while ensuring compliance with bank policy, strategy, and
risk appetite. The Retail CRM reports to the CAS Director and is
expected to operate independently, following CAS policy and
procedures to perform essential responsibilities, lead their team,
and positively influence a sound credit risk management
environment. They are highly experienced, exhibit strong
leadership, communicate effectively, adept at managing multiple
projects, and expected to adhere with all organizational and
ethical standards. ESSENTIAL DUTIES AND RESPONSIBILITIES Help
determine annual Retail Review scope, monitoring plan, and review
schedule. Supervise direct reports while providing guidance,
professional development, and support. Perform and approve
reviews/testing of centralized commercial transactions ($5 million
and below; score-based and custom underwriting), including such
lending segments: asset-based, equipment finance, commercial real
estate, municipality, Small Business Administration, etc. Perform
and approve reviews/testing of centralized consumer transactions
including portfolio mortgages, home equity lending, non-real estate
secured lending, unsecured lending, etc. Lead examinations,
including planning, field work, communication, and reporting.
Employ data analytics support to monitor origination quality, asset
quality, and credit risk management practices, including loan
servicing, collections, and loss mitigation. 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 Retail units
and/or management to ensure satisfactory resolution. Validate
management’s success in addressing key issues identified by CAS and
regulators. Pursue professional development opportunities and
complete required training. SUPERVISORY RESPONSIBILITIES Requires
direct supervision of two or more CROs in accordance with the
organization’s policies and applicable laws. Specific
responsibilities include hiring and terminating associates,
providing training/professional development, evaluating
performance, and directing overall work activities. 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
years retail credit review related experience 3 years of
supervisory 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 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
Equal Opportunity Employer/Protected Veterans/Individuals with
Disabilities This employer is required to notify all applicants of
their rights pursuant to federal employment laws. For further
information, please review the Know Your Rights notice from the
Department of Labor.
Keywords: First Horizon, Montgomery , Retail Credit Review Manager, Accounting, Auditing , Birmingham, Alabama
