Erik Garkovich

Sr Relationship Manager @First Horizon Bank

Chattanooga, TN, US
MOBILE NUMBERS
+91 *********19

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WORK HISTORY

Jun 2010 — Present

Sr Relationship Manager @First Horizon Bank

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Chattanooga, TN, US

EDUCATION

2009 — 2010

University of Tennessee, Knoxville

Bachelor of Science (B.S.), Accounting and Finance

1998 — 2001

Roane State Community College

Associate of Science (A.S.), General Studies

2001 — 2003

University of Tennessee, Knoxville

Bachelor's degree, Business Administration - Finance

SKILLS

Building RelationshipsMarket AnalysisReal EstateCompetitive AnalysisLoansLines of CreditSmall Business LendingAccountingStress TestingCommercial BankingBusiness AnalysisWealth ManagementFinancial AnalysisRelationship ManagementFinancial RiskFinanceIndustry AnalysisCreditBankingRisk ManagementCommercial Real EstateCommercial Mortgages

ABOUT ERIK GARKOVICH

Banking professional with 17 years of broad experience as a Credit Analyst, Portfolio Manager and/or Relationship Manager within the Private Wealth Management, Commercial & Industrial and Commercial Real Estate lines of business.Personal Goals:1) Provide a customizable solution for each credit request2) Ensure extensions of credit are in underwritten accordance with bank underwriting standards with all risks appropriately mitigated 3) Coordinate loan closing documentation with loan closing officer and/or outside counsel when needed4) Provide as an additional point of contact for the relationship and respond quickly to any inqueries5) Form a relationship with borrowers in order to gain a better understanding of their practice which will aid in better understanding their needs on an ongoing basis5) To be a resource and advisor for borrowers during their decision making processSpecialties Include:1) Technical and fundamental analysis of owner-occupied medical practices,2) Technical and fundamental analysis of owner-occupied commercial & industrial companies, 3) Technical and fundamental analysis of income producing properties including office, retail, multi-family, and hospitality property types, 4) Sensitivity analysis, market analysis and in-depth industry analysis.

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Erik Garkovich — Sr Relationship Manager at First Horizon Bank in Chattanooga, TN, US | Unifers