Senior Credit Analyst

First Horizon Bank; Atlanta (GA); On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Medical benefits

HSA with company match

Tuition reimbursement

Mentor program

401(k) with match

Job summary

First Horizon Bank seeks a Senior Credit Analyst to provide high-level analytical support in underwriting commercial credit facilities and assist Relationship Managers in managing client relationships.

The role involves mentoring junior analysts, managing underwriting timelines, and ensuring adherence to lending policies. On-site location is listed in the posting and requires strong teamwork and deadline-driven focus.

Qualifications

• Bachelor’s degree in Accounting, Finance or Business or equivalent work experience.
• 5+ years of related experience in Financial Services, Banking, Credit Analysis or similar.
• Familiarity with corporate credit products and analyzing financial data.
• Strong Excel skills and ability to read financial statements.

Responsibilities

• Interpret financial statements and analyze credit for complex C&I loans with focus on Medical Practices, service companies and commercial private client ventures.
• Prepare and monitor covenant monitoring, routine and ad-hoc financial analyses and loan documentation in the bank system.
• Participate in transaction structuring and relationship strategy meetings to explain analysis.
• Ensure accurate reflection of loan terms, collateral, covenants and inputs in credit systems.
• Mentor and guide junior Credit Analysts and Client Specialists on lending guidelines and underwriting standards.

Skills

Financial analysis

Credit underwriting

Regulatory awareness

Education

Bachelor's degree

Tools

Excel

Salesforce

nCino

Job description

Job Description

Job Description

Location: On site at location listed on job posting.

Summary

The Credit Analyst, Sr position provides high level analytical support in underwriting/analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships. A Senior CA will be expected to provide credit analysis support for assigned lending relationships. 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.

Key Responsibilities Include

• Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I loans with a focus on Medical Practices, service companies and commercial private client ventures.
• 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 and performs other duties assigned.
• 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
  
  

Qualifications Include

• Bachelor’s degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience
• 5 or more years of related experience in Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred
• 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
• 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
• 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
  
  

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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