Commercial Credit Analyst | Portfolio Impact

First Horizon Bank; Knoxville (TN); On-site; USD 60,000 - 80,000; Full time

Job summary

First Horizon Bank in Knoxville, TN is seeking a Credit Analyst to provide analytical support for underwriting commercial credit facilities and to assist Portfolio Managers in managing client relationships.

The role involves financial statement analysis, loan request preparation, covenant monitoring, and collaborating with PMs, RMs and senior credit staff to maintain credit quality in a fast-paced environment.

Qualifications

• Bachelor’s degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience
• Familiarity with the processes used to analyze financial data
• Highly organized and detail oriented
• Ability to manage multiple priorities and adhere to deadlines while delivering a high-quality work product
• Entry-level understanding of general bank operations and the commercial lending process
• Ability to understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with business unit teammates and leaders
• Ability to read, analyze and interpret financial reports and legal documents; performs simple to complex calculations; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals
• Strong computer skills required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel
• Experience with the nCino application is a plus

Responsibilities

• Interpret financial statements and provide financial analysis for underwriting complex C&I and commercial real estate loans
• Work proactively to ensure production is prioritized appropriately and completed in a timely manner; financial statement spreading and loan requests in the bank system
• Participate in relationship team meetings to explain information in the analysis when warranted
• Prepare credit approval documentation reflecting terms, collateral and covenants in the bank system
• Monitor covenants and track portfolio performance with Portfolio Managers
• Identify and report material changes or trends in borrowers' financial statements for credit presentations
• Participate in internal credit conversations with PMs, RMs, Credit Officers and senior management and with clients
• Contribute to portfolio management projects and other duties as assigned
• Demonstrate ownership of portfolio metrics, flexibility, detail, and independence in supporting business goals

Skills

Financial analysis

Attention to detail

Multitasking

Deadline adherence

Communication

Education

Bachelor’s degree in Accounting/Finance/Business

Equivalent work experience

Tools

Excel

Access

Word

PowerPoint

Outlook

nCino

Job description

First Horizon Bank in Knoxville, TN is seeking a Credit Analyst to provide analytical support for underwriting commercial credit facilities and to assist Portfolio Managers in managing client relationships.

The role involves financial statement analysis, loan request preparation, covenant monitoring, and collaborating with PMs, RMs and senior credit staff to maintain credit quality in a fast-paced environment.