Private Client Lending Specialist in Winston-Salem, NC at First Horizon National Corporation

Date Posted: 6/8/2020

Job Snapshot

  • Employee Type:
  • Location:
    2000 West 1st Street
    Winston-Salem, NC
  • Job Type:
  • Experience:
    At least 5 year(s)
  • Date Posted:
  • Job ID:

Job Description

The Private Client Lending Specialists will work with the PC RM’s, CS’s, the CLC, Mortgage loan operations and other third party vendors. They are responsible for managing a pipeline of loans as well as for all customer communication throughout the process of the loan from initial application through the loan closing process. Effective communication with internal and external clients is critical in meeting key performance metric and contributing to the success of the team. The PC Lending Specialist is responsible for navigating the entire loan process with the clients, asking for any additional documents as needed, following up with the clients, PC RM’s, the CLC, and Mortgage Operations satisfying any and all documents as needed, following up with clients on the loan stipulations and answering all questions, from each party, along the way. This role is responsible for determining/identifying exceptions, to include pricing and credit exceptions, within current FTB policy and making recommendations to the PCRM within generally accepted guidelines. All pricing and credit exceptions must be approved by Market with the proper fair lending mitigating factors. It should be noted that there are no Market credit or pricing exceptions on secondary loans (held for sale).

Note: As part of the employment process for this position, you will have to meet the requirements of a background credit check. This position requires compliance with the S.A.F.E Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements.

Essential Functions

  • Perform daily proactive pipeline management
  • Provides weekly pipeline information and also closed loans for the week by attending Team Sales Meetings and Pipeline Management meeting
  • Provides suggestions for restructuring or re-pricing deals that they think may not fit our current guidelines and offer alternatives. Will provided recommendations to RMs and Management.
  • Maintain contact schedule with clients, PC RM’s and PC Lending Manager, updating loan record on all communication
  • Set expectations, provide timely status updates, and establish deadlines for customers on returning conditions
  • Provide input on model pricing and exceptions, as well as determining any mitigating factors that will be used when considering exceptions.
  • Build a strong working relationship with the PC RM’s based on mutual trust
  • Coordinate all client activity in order to meet desired closing dates
  • Effectively manage and own your work queue ensuring queues and activity timelines are met
  • Audit conditions prior to file submission to underwriting to confirm the meet requirements
  • Assist clients with loan level questions and concerns
    • Deliver clean, complete and accurate files
    • Strong communication skills that will help them gather sensitive data, challenge deadlines with clients, PCRM’s, CLC and Mortgage Loan Operations in order to maximize the client experience
    • The employee in this position must adhere to strict confidentiality policies and procedures
    • Perform related duties as requested QualificationsEducation
  • College degree preferred or equivalent work experience


    • Knowledge of federal and state fair lending requirements
    • Working with unique and complex program guidelines
    • Ability to comprehend alternate models, pricing, exception guidelines to help restructure and re-price deals as needed (any pricing exceptions are to be approved by Market)
    • Coach and train others and share best practices
    • Prioritize workload and meet deadlines
    • Advanced organizational skills with attention to detail
    • Tackle all decisions carefully and methodically, while being careful to base decisions off of facts, input from RM’s, and long term profitability for the bank. (in other words – protect the bank, client and RM’s)
    • Meet licensing requirements (SAFE Act & NMLS License )
    • Microsoft Office skills – intermediate
    • Proficient in third party systems usage
    • Proven experience working in a fast paced, high volume, customer focused environment
    • Strong/advanced relationship management skills (previous work with affluent clients a benefit)
    • Ability to explain complex deals in a clear, easy –to-understand manner while tailoring his/her remarks to each client, RM, or other internal /external customers.
    • Advanced time management and problem solving skills
      • Advanced understanding, interpretation and qualification of mortgage documents and products and investor guidelines with the ability to clear conditions
      • Advanced verbal and written communication skills
      • Must work well in challenging, fast-paced, high-stress and deadline oriented environment


  • 5+ years of mortgage processing and/or operations experience

  • 2+ years of customer service customer support experience required


    • FLSA – non-exempt

      Reports to: Private Client Lending Manager

      Location: housed in the Banking Markets in close proximity to the Private Bankers

Work Schedule:
Days: Monday – Friday
Time: 8:00 am to 5:00 pm


Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The 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)