Senior Commercial Credit Analyst

First Financial Bank NA; Brentwood (TN); On-site; USD 70,000 - 95,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

401(k) match

ESOP

Paid holidays

Job summary

First Financial Bank NA is seeking a Credit Analyst II to evaluate complex commercial credit relationships, analyze financial performance, and provide recommendations to lending teams. You’ll work with Commercial Lenders and credit leadership in a collaborative banking environment.

The role emphasizes underwriting accuracy, financial analysis, and documentation quality across a range of commercial loan opportunities. Onsite positions offer opportunities for professional growth.

Qualifications

• Bachelor's degree in Business Administration, Finance, Accounting, or related field.
• 5–10 years credit analysis experience preferred, including complex commercial transactions.
• Strong knowledge of commercial lending, financial statement analysis, cash flow evaluation, and underwriting principles.
• Advanced proficiency with spreadsheets and financial analysis tools.
• Excellent written and verbal communication with the ability to present credit information clearly.
• Strong organizational skills and attention to detail in financial analysis and documentation.
• Ability to manage multiple priorities, meet deadlines, and maintain sound judgment in a fast-paced environment.
• Ability to work independently while collaborating with Commercial Lenders and credit leadership.

Responsibilities

• Analyze commercial credit: evaluate financial statements, cash flow, credit reports, and other information for new, renewed, and existing loans.
• Support credit decisions: develop analyses, reports, summaries, and recommendations for lenders and leadership.
• Prepare loan presentations: compile comprehensive credit packages for Loan Committee and Board presentations.
• Ensure sound underwriting: review requests for compliance with underwriting guidelines and regulatory requirements.
• Maintain credit documentation: review and update loan files and related documentation for accuracy and completeness.
• Partner with lending teams: provide guidance to Commercial Lenders and banking partners throughout the organization.
• Support portfolio oversight: conduct credit inquiries and maintain compliance tracking.
• Stay current: maintain knowledge of credit analysis practices and regulations.

Skills

Credit analysis

Financial statement analysis

Cash flow evaluation

Underwriting principles

Analytical skills

Communication skills

Organizational skills

Multitasking

Independent work

Education

Bachelor's degree

Tools

Excel

Job description

First Financial Bank NA is seeking a Credit Analyst II to evaluate complex commercial credit relationships, analyze financial performance, and provide recommendations to lending teams. You’ll work with Commercial Lenders and credit leadership in a collaborative banking environment.

The role emphasizes underwriting accuracy, financial analysis, and documentation quality across a range of commercial loan opportunities. Onsite positions offer opportunities for professional growth.