Commercial Credit Analyst II

First Financial Bank NA; Brentwood (TN); On-site; USD 70,000 - 95,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

401(k) match

ESOP

Paid holidays

Job summary

First Financial Bank NA is seeking a Credit Analyst II to evaluate complex commercial credit relationships, analyze financial performance, and provide recommendations to lending teams. You’ll work with Commercial Lenders and credit leadership in a collaborative banking environment.

The role emphasizes underwriting accuracy, financial analysis, and documentation quality across a range of commercial loan opportunities. Onsite positions offer opportunities for professional growth.

Qualifications

• Bachelor's degree in Business Administration, Finance, Accounting, or related field.
• 5–10 years credit analysis experience preferred, including complex commercial transactions.
• Strong knowledge of commercial lending, financial statement analysis, cash flow evaluation, and underwriting principles.
• Advanced proficiency with spreadsheets and financial analysis tools.
• Excellent written and verbal communication with the ability to present credit information clearly.
• Strong organizational skills and attention to detail in financial analysis and documentation.
• Ability to manage multiple priorities, meet deadlines, and maintain sound judgment in a fast-paced environment.
• Ability to work independently while collaborating with Commercial Lenders and credit leadership.

Responsibilities

• Analyze commercial credit: evaluate financial statements, cash flow, credit reports, and other information for new, renewed, and existing loans.
• Support credit decisions: develop analyses, reports, summaries, and recommendations for lenders and leadership.
• Prepare loan presentations: compile comprehensive credit packages for Loan Committee and Board presentations.
• Ensure sound underwriting: review requests for compliance with underwriting guidelines and regulatory requirements.
• Maintain credit documentation: review and update loan files and related documentation for accuracy and completeness.
• Partner with lending teams: provide guidance to Commercial Lenders and banking partners throughout the organization.
• Support portfolio oversight: conduct credit inquiries and maintain compliance tracking.
• Stay current: maintain knowledge of credit analysis practices and regulations.

Skills

Credit analysis

Financial statement analysis

Cash flow evaluation

Underwriting principles

Analytical skills

Communication skills

Organizational skills

Multitasking

Independent work

Education

Bachelor's degree

Tools

Excel

Job description

Location: Clarksville TN, Brentwood TN, Murfreesboro TN, Lebanon TN, Chattanooga TN, Knoxville TN, Bowling Green KY, or Lexington KY (Onsite)

Status: Full-Time, Salary Exempt

Why Join First Financial Bank?

At First Financial Bank, sound lending decisions are the foundation of strong client relationships and sustainable growth. Our Commercial Credit team plays an important role in helping businesses access the financing they need while maintaining the financial strength and stability our customers and communities depend on.

As a Credit Analyst II, you'll play a key role in supporting those decisions by evaluating complex commercial credit relationships, analyzing financial performance, and providing thoughtful recommendations to our lending teams. You'll work closely with Commercial Lenders and credit leadership, applying your analytical expertise to a variety of lending opportunities while contributing to a collaborative, relationship-focused banking environment.

What You’ll Do

• Analyze commercial credit: Evaluate financial statements, cash flow, credit reports, and other financial information for new, renewed, and existing commercial loans to assess creditworthiness and repayment capacity.
• Support credit decisions: Develop financial analyses, reports, summaries, and recommendations to help Commercial Lenders and credit leadership evaluate lending opportunities.
• Prepare loan presentations: Compile comprehensive credit packages for Loan Committee consideration and assist with Board of Directors presentations and reporting as needed.
• Ensure sound underwriting: Review credit requests for compliance with established underwriting guidelines, lending policies, and applicable regulatory requirements.
• Maintain credit documentation: Review and update commercial loan files, financial statements, accounts receivable information, and other supporting documentation to ensure accuracy and completeness.
• Partner with lending teams: Provide technical guidance and analytical support to Commercial Lenders and other banking partners throughout the organization.
• Support portfolio oversight: Conduct credit inquiries, review existing relationships, and maintain required compliance tracking and reporting.
• Stay current: Maintain knowledge of commercial credit analysis practices, underwriting standards, banking regulations, and evolving industry trends.

What We’re Looking For

• Bachelor's degree in Business Administration, Finance, Accounting, or a related field required
• 5–10 years of credit analysis experience preferred, including experience evaluating complex commercial credit transactions
• Strong knowledge of commercial lending, financial statement analysis, cash flow evaluation, and credit underwriting principles
• Advanced proficiency with spreadsheets, word processing applications, and financial analysis tools
• Strong analytical, critical thinking, problem-solving, and decision-making skills
• Excellent written and verbal communication skills with the ability to present financial information and credit recommendations clearly
• Strong organizational skills, attention to detail, and commitment to accuracy in financial analysis and documentation
• Ability to manage multiple priorities, meet deadlines, and maintain sound judgment in a fast-paced environment
• Ability to work independently while collaborating effectively with Commercial Lenders, credit leadership, and other banking partners
• Ability to review detailed financial information and documentation, maintain sustained concentration, and perform computer-based analytical work for extended periods

What We Offer

• Competitive Pay & Benefits: Medical, dental, vision, and employer-paid life and disability insurance.
• Financial Perks: 401(k) match, Employee Stock Ownership Program (ESOP), and banking benefits.
• Work-Life Balance: Paid time off, including 11 Federal Reserve bank holidays.
• Growth Opportunities: Tuition assistance and professional development programs.
• A Supportive Culture: Integrity, collaboration, innovation, and respect are at the heart of what we do.

Who We Are

First Financial Bank is a dynamic financial institution with over $6+ billion in assets and a proud history dating back to 1834. With more than 75 banking centers across five states , we are committed to empowering our clients, fostering personal growth, and building community.

Joining First Financial Bank means becoming part of a legacy where your work directly contributes to the stability and growth of the communities we serve. Here, you are more than an employee; you are an essential member of a team dedicated to living out the values of "One First" every day. Be part of a bank that values your contributions and invests in your future!

First Financial Bank is an Equal Opportunity Employer. All applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, genetic information, national origin, disability, military and/or veteran status, or any other Federal or State legally protected classes.