Credit Analyst: CRE & C&I Underwriting

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

Benefits offered by this job

Medical with wellness incentives

HSA with company match

Tuition reimbursement

401(k) with 6% match

Mentor program

Job summary

First Horizon Bank in Birmingham, AL is seeking a Credit Analyst II to support underwriting of commercial facilities and assist Portfolio Managers and Relationship Managers in managing client relationships.

You will interpret financial statements, perform financial analyses, and help prepare credit approval documentation, while monitoring covenants and portfolio performance within the bank's systems.

Qualifications

• Bachelor’s degree (B.A.) in Accounting, Finance or Business or equivalent with related experience.
• 1–2 years of experience in Financial Services, Banking or Credit Analysis preferred.
• Fundamental understanding of general bank operations and the commercial lending process.
• Familiarity with analyzing financial data.
• Highly organized and detail oriented.
• Ability to manage multiple priorities and meet deadlines while delivering quality work.
• Entry-level understanding of bank operations and lending processes.
• Clear written and spoken communication with teammates and leaders.

Responsibilities

• Interpret financial statements and provide financial analysis for underwriting commercial loans.
• Prepare financial analyses, statements spreading, and covenant monitoring.
• Update/cut new requests, modifications, renewals, and annual reviews in the loan system.
• Explain analysis in internal meetings with PMs, RMs, Credit Officers, and senior management.
• Monitor assigned commercial loan portfolios and track covenants and company performance.
• Ensure accurate reflection of loan terms, collateral, covenants, and inputs in credit systems.
• Engage in portfolio management projects and strategic initiatives.

Skills

Financial analysis

Credit analysis

Organization

Attention to detail

Education

Bachelor's degree in Accounting/Finance or related

Job description

First Horizon Bank in Birmingham, AL is seeking a Credit Analyst II to support underwriting of commercial facilities and assist Portfolio Managers and Relationship Managers in managing client relationships.

You will interpret financial statements, perform financial analyses, and help prepare credit approval documentation, while monitoring covenants and portfolio performance within the bank's systems.