Credit Analyst Senior

First Horizon Bank; Knoxville (TN); On-site; USD 85,000 - 110,000; Full time

Benefits offered by this job

Medical benefits

HSA with company match

Maternity and parental leave

Tuition reimbursement

Mentor program

401(k) with company match

Other First Horizon benefits

Job summary

First Horizon Bank is seeking a Sr Credit Analyst to support commercial and corporate lending relationships. The role focuses on financial statement spreading, underwriting support, and covenant monitoring in a fast-paced environment.

You will mentor others, participate in strategy discussions, and help ensure credit quality across the portfolio while balancing competing priorities and deadlines.

Qualifications

• Bachelor’s degree in Accounting, Finance or Business or equivalent experience.
• Strong understanding of corporate credit products.
• Experience in financial data analysis and bank operations.
• 2–5 years of financial services or credit analysis experience.
• Ability to communicate clearly with executives and partners.
• Ability to read and interpret financial statements and credit documents.

Responsibilities

• Interpret financial statements and provide analysis for underwriting complex C&I and commercial real estate loans.
• Prioritize production and complete tasks in a timely manner with financial statement spreading and analysis.
• Participate in transaction structuring and relationship strategy meetings with management and credit partners.
• Prepare complex credit approval documentation and accurately reflect loan terms, covenants and inputs.
• Monitor portfolios with Portfolio Managers and track covenants and performance.
• Participate in internal credit conversations and external client meetings.
• Lead special projects and assignments as required.
• Maintain ownership of performance metrics and deadlines with independence within role.
• Identify material changes or trends in borrowers' financials.
• Provide a bullet listing of the responsibilities and purpose.
• Perform all other duties as assigned.

Skills

Credit analysis

Financial statement analysis

Underwriting support

Covenant monitoring

Industry research

Education

Bachelor’s degree in Accounting/Finance/Business

Tools

Microsoft Excel

Microsoft Access

Microsoft Word

PowerPoint

Outlook

Salesforce

nCino

Job description

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.

Essential Duties and Responsibilities

• 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

• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position.
• 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

About Us

First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com .

Benefit Highlights

• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits

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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

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