Credit Analyst: Commercial Lending & Financial Analysis

First Horizon Bank; Birmingham (AL); On-site; USD 55,000 - 85,000; Full time

Benefits offered by this job

Medical benefits

HSA with company match

Maternity and parental leave

Tuition reimbursement

Mentor program

401(k) with 6% match

Job summary

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

You will interpret financial statements, spread financials, monitor covenants, and prepare credit documentation while coordinating with PMs and RMs to ensure timely, accurate decisions and compliance with bank policy.

Qualifications

• Bachelor’s degree (B.A.) in Accounting, Finance or Business or equivalent.
• 1–2 years of experience in Financial Services or Banking.
• Understanding of commercial lending processes.
• Highly organized and detail oriented.
• Ability to manage multiple priorities and meet deadlines.
• Clear written and verbal communication.

Responsibilities

• Interpret financial statements and provide financial analysis in underwriting complex C&I and commercial real estate loans.
• Spread financial statements and prepare analysis documents; update requests, renewals and annual reviews in the loan system.
• Track covenants, monitor industry trends and support policy compliance.
• Prepare credit approval documentation reflecting terms, collateral and inputs.
• Partner with Portfolio Managers to monitor assigned loan portfolios and performance.
• Identify material changes in borrowers' financial statements for presentations.
• Participate in internal and external credit meetings with PMs, RMs and senior management.
• Support portfolio management projects and drive ownership of metrics.
• Perform all other duties as assigned.

Skills

Financial analysis

Credit analysis

Bank operations understanding

Attention to detail

Time management

Clear communication

Education

Bachelor’s degree in Accounting/Finance/Business or equivalent

Job description

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

You will interpret financial statements, spread financials, monitor covenants, and prepare credit documentation while coordinating with PMs and RMs to ensure timely, accurate decisions and compliance with bank policy.