Credit Analyst - Specialty Finance

First Horizon Corp.; Memphis (TN); On-site; USD 60,000 - 75,000; Full time

Benefits offered by this job

Medical and dental benefits

Vision benefits

HSA with company match

Parental leave

Tuition reimbursement

Mentor program

401(k) with match

Job summary

First Horizon Corporation in Memphis, TN seeks a Credit Analyst for the Specialty Finance team. You will analyze, underwrite, and monitor credit facilities, learning deal structures and applying underwriting policies.

Spread financials, perform advanced analysis, and coordinate with PMs and RMs while contributing to 80% of credit analysis and presenting modifications to bank partners. This role offers a clear path to sales, credit, and relationship management opportunities.

Qualifications

• Bachelor’s degree in Accounting or Finance required.
• Exceptional educational background required.
• CFA or CPA candidates preferred.

Responsibilities

• Work directly with PM, RM and clients to address needs efficiently and accurately.
• Spread financial statements as part of credit analysis.
• Provide advanced analysis in assessing current and new opportunities.
• Interact with clients and LOB leaders via email, phone, or meetings.
• Communicate information clearly, both orally and in writing.
• Project manage complex credit requests and analyses to completion.
• Identify emerging industry trends and monitor risk in the portfolio.
• Attend credit meetings and present modifications and opportunities to credit partners.

Skills

Analytical thinking

Accounting knowledge

Strong communication

Team collaboration

Project management

Education

Bachelor’s degree in Accounting, Finance, or related field

CFA or CPA candidates preferred

Tools

Excel

Word

PowerPoint

Job description

Summary

The Specialty Finance team is a dedicated national lending group focused on providing highly monitored asset-based, tailored debt capital solutions to non-bank financial services companies across a wide variety of asset classes in addition to cash flow-based lending for middle market companies across a wide variety of industries.

The Credit Analyst will work directly with the Deal Team in analyzing, underwriting and monitoring all credit facilities within their portfolio. As a Credit Analyst, the individual will learn the basics of deal making and loan structures while being exposed to other departments within the Bank.The Credit Analyst is an excellent first position in banking that paves the way to numerous other opportunities within First Horizon including sales, credit, relationship management, loan review or other similar positions. Work with the Portfolio Manager (PM) and Relationship Manager (RM) in completing at least 80% of the credit analysis. The credit analysis is the Bank's primary document for analyzing and underwriting all new and outstanding loans. The credit analyst performs an in depth analysis on the borrower's ability to repay focusing on the company and owner's background, recent and historical financial performance, guarantor's (if applicable) financial condition, collateral performance, risk rating, risk-adjusted return on capital, and several other factors related to First Horizon's underwriting policies and guidelines.

Duties and Responsibilities:

• Work directly with PM, RM and clients to address needs efficiently and accurately
• Spread financial statements
• Provide advanced analysis in assessing and evaluating current and new business opportunities
• Interact with clients and LOB leaders through email, phone conversations, field exams, bank group meetings, etc.
• Ability to understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with business unit teammates and leaders
• Project manage complex credit requests and analyses and see them through to completion
• Identify emerging industry trends and proactively monitor the risk in the current book of business
• Attend credit meetings and learn to properly present modifications and new to bank opportunities to internal credit partners for final approval

Knowledge and Skills:

• Critical thinker possessing superior analytical abilities with the ability to reach logical conclusions based on the available information
• Strong understanding of accounting
• Microsoft Office: Strong Excel, Word, and presentation building skills
• Ability to manage multiple projects, while maintaining high attention to detail
• Self-starter attitude
• Flexibility and proven ability to diagnose and resolve issues
• Intellectually curious, ability to think outside the box, assertive
• Hard working, smart, creative, analytical, driven, exceptionally organized
• Strong communication skills and results driven
• Ability to work and excel in a team environment

Education:

• Bachelor’s degree (BBA or BS) in Accounting, Finance, or a closely related field.
• Exceptional educational background required
• CFA or CPA candidates preferred

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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