Credit Analyst

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

Job summary

First-Horizon-Bank in Birmingham, AL seeks a loan underwriter to evaluate and approve or reject loan applications based on established criteria. The role handles smaller and less complex loans with timely credit decisions.

The position emphasizes underwriting real estate related credit, documenting decisions with narrative explanations, and delivering strong customer service to loan originators while ensuring records are accurate and audits are performed.

Qualifications

• College degree in related field
• 1 – 4 years of relevant experience and/or training preferred.

Responsibilities

• Receive credit requests and make approve/decline decisions within established policy, guidelines, and turnaround times.
• Underwrite real estate related credit requests.
• Document decisions properly and completely with particular diligence given to explanations of overrides or variances, to include a narrative to explain credit decisions.
• Provide a high level of customer service to the originators of loan requests to include the communication of credit decisions and answering questions.
• Works with the loan administration and client specialists to manage delinquencies on loans;
• Reports troublesome loans to the senior credit officer and commercial line manager on a timely basis.
• Ensures that the systems of record are accurate for the loans being administered; ensures that management information is reported timely and accurately.
• Obtains satisfactory loan reviews and ensures that regular audits are performed.

Education

College degree in related field

Job description

Location: On site at location listed in job posting.

Summary

Responsible for evaluating and approving or rejecting loan applications based on established criteria. Handles smaller and less complex loans.

Essential Duties and Responsibilities

• Receive credit requests and make approve/decline decisions within established policy, guidelines, and turnaround times.
• Underwrite real estate related credit requests.
• Document decisions properly and completely with particular diligence given to explanations of overrides or variances, to include a narrative to explain credit decisions.
• Provide a high level of customer service to the originators of loan requests to include the communication of credit decisions and answering questions.
• Works with the loan administration and client specialists to manage delinquencies on loans;
• Reports troublesome loans to the senior credit officer and commercial line manager on a timely basis.
• Ensures that the systems of record are accurate for the loans being administered; ensures that management information is reported timely and accurately.
• Obtains satisfactory loan reviews and ensures that regular audits are performed.

Qualifications

• College degree in related field
• 1 – 4 years of relevant experience and/or training preferred.