Tara Hampton Email & Phone Number

Naples, Fl, Us

Memphis, Tn, Us

Decisions credits to commercial real estate clients, supporting the markets of North Carolina, South Carolina, and East Tennessee. Responsible for approval of loans with exposure up to $30 million.Reviews credit packages, assists in structuring credit requests from existing and prospective borrowers, and reviews credit package to ensure accurate presentation of pertinent credit risks and loan grading.Ensures asset quality objectives are met and processes/procedures are in compliance with the Bank’s policies, practices, and regulatory requirements. Provides coaching, mentoring, and training to portfolio managers and credit analysts for the lending and approval process. Participates in internal loan review, audit examinations, and forecasting of asset quality indicators to executive management.Contributes to the development and maintenance of First Horizon credit culture and establishment and review of credit policies.Accompanies lending teams on client and site visits.Previously responsible for leading a bank-wide team of Portfolio Managers, responsible for underwriting and servicing commercial real estate loans.

Memphis, Tn, Us

Responsible for approving Commercial Loans (C&I and CRE) for Florida markets including Jacksonville, Orlando, Tampa, Sarasota, Bradenton, Ft Myers, and Naples. $25MM in loan approval authority.This position evaluates credit requests and decisions loans for existing borrowers and prospective clients; assists in loan structuring; reviews annual analyses and identifies potential credit risks; ensures appropriate loan grading.Ensures all asset quality objectives are met and processes are in compliance with the company’s policies and regulatory requirements.Provides coaching and mentoring to portfolio managers and credit analysts; assists line management in the evaluation of line personnel and helps identify training needs.Demonstrates proficiency in content, interpretation and applications of credit policy and contributes to a positive credit culture.Supports lenders in their interactions with loan review.Recommends approval of changes in underwriting and policy; involved in various working groups.Oversees quarterly market asset quality meetings.Reviews and endorses recommendations from Market Presidents for limits and adjustments to line lending authorities.Participates in market and regional meetings to communicate policy changes, bank appetite, and conduct training (as needed).Participates in regional leadership activities and provides updates on credit metrics and changes.

Memphis, Tn, Us

Serves as central point in decisioning credit exposure for new and existing relationships within the Bank's footprint. Responsible for credit approval decisions on Commercial Real Estate and C & I loan requests within Small Commercial. Manages the credit process consistent with Credit Policy, Credit Culture, and established underwriting guidelines. Supports lending team in structuring and delivering of credit products to meet client needs. Ensures strong credit culture and an effective and efficient approval process. Balances a strong asset quality focus while supporting a strong business development plan; responds promptly to credit requests to determine feasibility and nature of analysis to be conducted.Works with the Relationship Manager and Underwriter to manage the analysis and documentation to produce a focused, concise underwriting package.Identifies critical issues and proposes alternative structures and financing solutions.Provides feedback to assist in the training and directing of Commercial Underwriters in their role of preparing credit packages, risk assessment, and analysis of financial information. Responsible for validation of risk-ratings on relationships at origination, upon renewal, and on an annual basis ensuring the appropriate grade is assigned based on the associated risks and grading methodology. Maintains a good working relationship with all bank employees while demonstrating the ability to work independently; works as a team player to contribute to the success of the department and in turn, the organization.Credit-related project lead on periodic basis, which has involved the design, testing, and implementation of nCino, which leverages the Salesforce platform.

Memphis, Tn, Us

Managed the Commercial Loan Underwriting Department for the State of Florida, which consisted of over $5 Billion in commercial loans. Responsible for managing a team of Commercial Underwriters who underwrote loans ranging from $2 million to $50 million, for Commercial Real Estate and C & I loan opportunities. The Florida franchise included 7 markets and the department included, at one time, 20 Commercial Underwriters. The responsibility included overseeing the quality of packages for adherence to policy, guidelines, and ensuring consistency. Prioritized the workflow of underwriting requests in seven distinct markets and communicated with markets to address volume and changes to process.Supported the Sales Team by attending client meetings, providing guidance for loan structure and conditions, and providing quality underwriting packages.Coordinated and managed commercial portfolio management responsibilities for FloridaParticipated in Due Diligence loan file reviews for potential acquisitions.Actively involved with six bank mergers which consisted of training and getting teams acclimated to the Bank’s Credit Culture Provided ongoing coaching and training for underwriters; prepared performance reviews; reported to executive management to ensure proper staffing levelsCredit Approval Authority

Memphis, Tn, Us

Assessed the risk of borrowers by analyzing financial statements and preparing written credit analysesRecommended approval/denial of loan requests and assigned the appropriate loan gradePrioritized the workflow of underwriting requests in Collier County and assigned work to the credit analysts; ensured all deadlines were met and underwriting requests were processed in a timely mannerTrained new credit analysts in Collier County and reviewed completed underwriting assignmentsPrepared performance reviews for credit analysts in Collier CountyCompleted monthly Commercial Concentration Loan Summary Report

Developed the process, report, and methodology to monitor and report Commercial Real Estate Concentration levels; CRE Concentration Analysis presented and approved by the BoardCompleted 15 new chapters to update the existing Loan Policy ManualDeveloped new Appraisal Policy and procedures; developed Approved Appraisers list; reviewed commercial and residential appraisals and ensured compliance with USPAP standardsDeveloped several form templates, including but not limited to, a Personal Financial Statement, Credit Approval Form, spreads, and Appraisal Order FormAssessed the risk of borrowers by analyzing financial statements and preparing written credit analysesRecommended approval/denial of loan requests and provided loan structure guidanceVoting member of the Officers' Loan Committee which was responsible for approving loan requests

Established a formal Credit Department for the Bank which was of significant importance with the evolving regulatory requirements and changing market conditionsDeveloped all standard Credit forms and automated all reportsDeveloped policies and procedures for Supervisory Loan-to-Value Exception tracking, Financial Statement Tracking, Annual Review tracking, Appraisal Selection and Review, and other projects critical to the Bank's adherence of regulatory guidelinesEstablished a training manual and training program for new Credit Analysts; responsible for hiring, retaining employees, conducting performance reviews, and all aspects of employee relations Managed daily workflow and a group of Credit Analysts; reviewed all financial spreads and written credit analysesCoordinated internal and external audits and reviewsContinuously developed reports required for Board and Audit review; prepared monthly and quarterly reports including Delinquency Report, New Loans Report, Pipeline Report, Production Report, and others Assessed the risk of potential borrowers by analyzing financial statements and preparing written credit analysesRecommended approval/denial of loan requests, credit risk grade changes, and provided loan structure guidance; had individual loan approval authorityReviewed commercial and residential appraisals and ensured compliance with USPAP standardsMaintained knowledge of applicable regulations and ensured the Bank was in complianceCoordinated projects aimed at identifying and limiting credit risks

Responsible for determining credit worthiness of commercial customers by spreading financial statements, reviewing tax returns and supporting documentation, analyzing ratios and trends, and preparing a written credit analysisFulfilled loan annual review requirements, assessing the risk of the borrower and producing reporting documentationRecommended credit risk grade changes as appropriate and ensured compliance with loan policiesReviewed written credit analyses produced by other Credit Analysts as requestedReviewed commercial and residential appraisals and ensured compliance with USPAP standardsPerformed projects and prepared quarterly reports aimed at identifying and limiting credit risks

Us

Worked with a team of Commercial Lenders specializing in Commercial Real Estate, C & I, Public Finance, Dealer Finance, Franchise Finance, and Private Banking.Provided assistance with relationship management, including client interaction, customer proposals, documentation, and delivery of exceptional customer service.Responsible for creating and updating various monthly reports.Coordinated projects such as the implementation of Microsoft Office 97 and became certified in Word, Excel, PowerPoint, and Access.

Us

Provided teller support by performing daily processing of financial transactionsProactively informed clients of products and services to identify financial needsHad a working knowledge and understanding of other bank services and referred clients to other bank partnersAssisted Branch Manager with all aspects of branch operations, including “on the job training” for new associates

Education record

Education record