Credit Analyst Senior

First-Horizon-Bank; Knoxville (TN); On-site; USD 85,000 - 115,000; Full time

Job summary

First-Horizon-Bank in Knoxville, TN is seeking a Senior Credit Analyst to provide credit analysis support for assigned commercial and corporate lending relationships. You will spread financial statements, create and update loan requests, and analyze financial data to support underwriting.

The role emphasizes independent work, mentoring junior analysts, and collaboration with PMs and RMs to monitor covenants and loan performance. A strong understanding of commercial lending policies is essential.

Qualifications

• Bachelor’s degree in Accounting, Finance or Business or equivalent in work experience.
• Familiarity with corporate credit products and processes used to analyze financial data.
• General understanding of bank operations and the commercial lending process.
• Experience as Credit Analyst II or equivalent preferred.
• 2–5 years of experience in Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred.
• Ability to read, analyze and communicate information clearly with executives and partners.
• Ability to read and interpret financial reports and legal documents; perform calculations and research to support decisions.

Responsibilities

• Provide credit analysis support for commercial and corporate lending relationships.
• Spread financial statements into bank software or templates; create and update loan requests.
• Analyze financial statements and support underwriting; monitor covenants and industry research.
• Mentor and guide Client Specialists and other Credit Analysts on lending guidelines and underwriting standards.
• Participate in transaction structuring and relationship strategy meetings with management and credit partners.
• Prepare complex credit approval documentation with accurate loan terms and inputs.
• Monitor portfolios with PMs to track covenants and company performance against expectations.
• Participate in internal and external meetings and special projects as needed.
• Demonstrate ownership, attention to detail, and independence while meeting deadlines.

Skills

Credit analysis

Financial analysis

Underwriting support

Industry research

Financial statement spreading

Mentoring/leadership

Education

Bachelor's degree in Accounting/Finance/Business

Tools

Excel

Bank software

Salesforce or 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