Credit Analyst Senior

First Horizon Corp.; Knoxville (TN); Hybrid; USD 85,000 - 110,000; Full time

Job summary

First Horizon Corp. in Knoxville, TN is seeking a Senior Credit Analyst to support credit decisions for commercial and corporate lending. The role involves financial statement spreading, underwriting support, covenant monitoring, and industry research to strengthen credit quality.

You will work in a team, mentor junior analysts, collaborate with PMs/RMs, and ensure timely completion of requests in the bank's loan system, while maintaining adherence to lending guidelines.

Qualifications

• Bachelor’s degree in Accounting, Finance or Business or equivalent.
• Experience as Credit Analyst II or similar role preferred.
• 2–5 years in Financial Services, Banking, Credit Analysis or related field preferred.
• Strong ability to read, analyze and interpret financial statements and communicate insights clearly.
• Ability to interact with senior executives and partners with professionalism.

Responsibilities

• Provide credit analysis support for commercial and corporate lending.
• Spread financial statements and update loan requests in loan production systems.
• Underwriting support and covenant monitoring; industry research for lending prospects/clients.
• Interpret financial statements for underwriting complex C&I and CRE loans.
• Mentor and guide junior analysts and client specialists on lending guidelines.

Skills

Corporate credit knowledge

Financial statement analysis

Strong communication

Team collaboration

Education

Bachelor’s degree in accounting/finance/business

Tools

Excel

Salesforce / nCino

Job description

Location: Onsite at location listed in posting.

Summary

Credit Analyst, Sr will be expected to provide credit analysis support for assigned commercial and corporate lending relationships.

• Work will be completed within a high production-based environment and includes financial statement spreading into Bank software or templates, creating and updating loan requests in the Bank’s loan production software, financial statement analysis, underwriting support, covenant monitoring, and industry research for commercial lending prospects/clients.
• A Sr. Analyst must be willing and capable of working proactively and independently while ensuring the credit quality of the portfolio.
• The position also provides mentoring and guidance to Client Specialists and other Credit Analysts as it relates to lending guidelines, and underwriting standards.
• The ideal candidate works well in a team-focused setting and is comfortable balancing competing priorities in a deadline driven environment.
• Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I and commercial real estate loans.
• Work proactively to ensure production is prioritized appropriately and completed in a timely manner. Specific tasks include: financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank’s commercial loan system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank’s commercial loan policy.
• Participate in transaction structuring and relationship strategy meetings with management and credit partners to justify and explain information in the analysis when warranted.
• Analyze and prepare complex credit approval documentation in FHB’s commercial loan system. The senior analyst is responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship in the commercial loan system.
• Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations. Credit Analyst is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines.
• Participate in internal credit conversations with PM’s, RM’s Credit Risk Managers and senior management and in external meetings with clients and prospects.
• Participate in or lead special projects and assignments.
• The successful candidate will demonstrate consistently high level of ownership of personal performance metrics and team initiatives, flexibility in responding to RM/PM/senior management and client deadlines, extreme level of detail and follow-through, and independence within the framework of the role in assisting in achieving business goals.
• Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations.
• Provide a bullet listing of the position’s responsibilities and purpose for the responsibility.
• Performs all other duties as assigned.

Qualifications

• Bachelor’s degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience
• Familiarity with corporate credit products and the processes used to analyze financial data
• Good fundamental understanding of general bank operations and the commercial lending process
• Experience as a Credit Analyst II or equivalent role preferred
• 2-5 years of experience or equivalent combination of education and experience in Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred
• Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with senior executives, business unit management and staff, state and federal regulators and officials and significant business partners
• 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

Computer and Office Equipment Skills

• Strong computer skills required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel
• Experience with Salesforce or nCino applications is a plus