Senior Commercial Credit Analyst

First Financial Bank NA; Tennessee; On-site; USD 75,000 - 105,000; Full time

Benefits offered by this job

Competitive pay

Full benefits

401(k) match

ESOP

Job summary

First Financial Bank is seeking a Commercial Credit Analyst II to evaluate complex commercial credit relationships, analyze financial performance, and provide thoughtful recommendations to our lending teams. You will work closely with Commercial Lenders and credit leadership, applying analytical expertise to a variety of lending opportunities within a collaborative banking environment.

You will prepare loan presentations, ensure underwriting compliance, and maintain accurate credit documentation

Qualifications

• Bachelor's degree in Business Administration, Finance, Accounting or related field required
• 5–10 years of 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, word processing applications, and financial analysis tools
• Strong analytical, critical thinking, problem‑solving and decision‑making skills
• Excellent written and verbal communication skills and ability to present financial information clearly
• Strong organizational skills, attention to detail, and accuracy in financial analysis and documentation
• Ability to manage multiple priorities, meet deadlines, and work with lenders and leadership in a fast-paced environment

Responsibilities

• Analyze commercial credit by evaluating financial statements, cash flow, credit reports and other information for new, renewed and existing loans
• Support credit decisions by developing analyses, reports, summaries and recommendations for lenders and leadership
• Prepare comprehensive loan presentations for Loan Committee and Board reporting as needed
• Ensure underwriting compliance with guidelines, policies and regulatory requirements
• Maintain credit documentation and update loan files and supporting documentation for accuracy
• Partner with lending teams to provide guidance and analytical support
• Support portfolio oversight by reviewing relationships and maintaining compliance tracking
• Stay current on commercial credit analysis practices, underwriting standards, and banking regulations

Skills

Credit analysis

Financial statement analysis

Cash flow evaluation

Underwriting principles

Analytical thinking

Communication skills

Organizational skills

Education

Bachelor's degree in Business Administration, Finance, Accounting

Tools

Spreadsheets

Word processing

Financial analysis tools

Job description

First Financial Bank is seeking a Commercial Credit Analyst II to evaluate complex commercial credit relationships, analyze financial performance, and provide thoughtful recommendations to our lending teams. You will work closely with Commercial Lenders and credit leadership, applying analytical expertise to a variety of lending opportunities within a collaborative banking environment.

You will prepare loan presentations, ensure underwriting compliance, and maintain accurate credit documentation