Henry Sosa

Senior Vice President, Asset Based Lending, First Horizon Bank

Senior Commercial Finance and Banking executive with over 20 years of a diverse and positive track record in asset based lending (ABL) and cash flow C&I underwriting, risk management, relationship and portfolio management. A progressive career of successful experience and expertise in credit underwriting and financial analysis. Recognized for credit risk management expertise in loan and covenant structuring, portfolio management, underwriting and financial analysis, and credit administration. A proven leader at developing service level agreements for underwriting and portfolio management, resulting in improved customer retention and strong asset management and risk monitoring, effectively reducing high risk lending and ensuring an increase in the quality of loan approvals.

Served in business development and new business underwriting roles at global and large multinational commercial bank and finance institutions. A proven track record of new business origination and account relationship management, having direct accountability for acquisition and retention strategies.

Expert in negotiating, structuring, underwriting loan terms, and portfolio management with strong experience in commercial financing solutions including asset-based lending, factoring, supply chain finance, term and equipment financing, syndications, leveraged financing, SBA and commercial real estate. Responsible for cross-selling non-credit products such as cash management, merchant services, foreign exchange.

Core skills include Credit and Underwriting Management, Risk Management, Relationship and Portfolio Management. Formally credit trained and a team leader. Bilingual in English and Spanish.