Jeff Gach
Memphis,TN
Summary
Rock solid commercial banker with impeccable integrity and team player. I have formalized training with an expertise in commercial credit structuring, analysis, risk mitigation and decades of growing existing and new customer relationships. Many successes of bringing in 'all' relevant partners within the bank to enhance existing and prosective relationships.
Decades of working with C-level management and managing complex credits has instilled the value of retaining and building good profitable relationships and more importantly identifying and exiting an unprofitable or deteriorating credit while you still can. These are lessons learned over time.
Overview
17
17
years of professional experience
Work History
International Trade and FX Sales
First Horizon Bank
01.2025 - Current
- SVP, Business Development Officer - Nationwide
- Profile and provide USD/FX wires, Import/Export LC, Documentary Collection and FX hedging and Domestic Standby LC's sevices to existing and prospective clientele
- Identify existing clientele within our portfolio that have an international component and make outbound calls with Relationship Managers within bank footprint.
- Provide international infrastructure to over 150 community banks nationwide including above services plus foreign check collection and foreign currency banknotes.
Asset Based Lending
First Horizon Bank
09.2019 - 12.2024
- SVP, Business Development Officer - Nationwide
- Engage businesses with a borrowing need from $25-$50 million that fall outside traditional cashflow lending with minimum requirements of being 3 years in business, have audited financials and eligible/marketable collateral.
- Negotiate and structure the credit including covenants, advance ratios, collateral monitoring and financial tracking.
- Handle all aspects of the request through credit presentation.
- Agent/Participate in large ABL syndicated credits with peer bank partners.
Corporate Middle Market Lender
First Horizon Bank
11.2016 - 09.2019
VP, Relationship Manager - Nationwide
Relationship Manager Correspondent Banking
First Horizon Bank
09.2009 - 08.2019
- Build upon and increase our 'share of wallet' for 400+ existing downstream correspondent bank clientele
- Profile and develop new business with downstream community banks that had existing relationships with our bond division.
- Analyze and provide unsecured fed fund accommodations, related deposit accounts, lockbox, safekeeping, holding company loans and international services,
Education
Post-Graduate Certificate - Banking And Finance
LSU Graduate School of Banking
Baton Rouge, LA05.2012
Post-Graduate Certificate - Commercial Credit Structuring And Analysis
BMO Institute For Learning
Toronto, Canada05.2000
Bachelor of Arts - Economics
Eastern Illinois University
Charleston, IL05.1987
Skills
- Ability to build profitable existing and new business
- Proven Commercial Loan Structuring / Analysis skills
- Commercial Portfolio Management / Risk Identification
- Expertise in Asset Based Lending
- Understand Loan Syndication nuances and process
- All Treasury Management aspects including International
- Cross-Selling the bank and related services
- Problem-solving
Accomplishments
FHB Diamond circle winner 6-years
FHB Diamond circle qualifier - 8-years (various departments)
MBS - 'Rookie of the Year' Presidents Club
MBS - Presidents Club 5-years
Numerous and ongoing formalized credit certifications
Decade of positive job performance reviews
Timeline
International Trade and FX Sales
First Horizon Bank
01.2025 - Current
Asset Based Lending
First Horizon Bank
09.2019 - 12.2024
Corporate Middle Market Lender
First Horizon Bank
11.2016 - 09.2019
Relationship Manager Correspondent Banking
First Horizon Bank
09.2009 - 08.2019
Post-Graduate Certificate - Banking And Finance
LSU Graduate School of Banking
Post-Graduate Certificate - Commercial Credit Structuring And Analysis
BMO Institute For Learning
Bachelor of Arts - Economics
Eastern Illinois University