Senior Credit Analyst

First Horizon Bank; Mobile (AL); On-site; USD 85,000 - 120,000; Full time

Benefits offered by this job

Medical and dental coverage

HSA with company match

Maternity and parental leave

Tuition reimbursement

Mentor program

401(k) with match

Job summary

First Horizon Bank is seeking a Senior Credit Analyst to provide high-level analytical support for underwriting commercial credit facilities and assist Portfolio Managers and Relationship Managers in managing client relationships. The role includes mentoring junior analysts and ensuring adherence to lending guidelines and underwriting standards.

The candidate will analyze financial statements, monitor covenants, and participate in internal and external meetings to support lending decisions.

Qualifications

• Bachelor’s degree in Accounting, Finance or Business or equivalent work experience.
• 5+ years of related experience in Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred.
• Familiarity with corporate credit products and processes used to analyze financial data.
• Strong computer skills: Excel, Word, PowerPoint, Outlook; Salesforce/nCino a plus.

Responsibilities

• Interpret financial statements and provide analysis for underwriting complex C&I loans, focusing on Medical Practices, service companies, and private client ventures.
• Perform financial statement spreading, create/update requests, modifications, renewals and annual reviews in the loan system; monitor covenants and industry research.
• Participate in transaction structuring and relationship strategy meetings; justify information in analysis when warranted.
• Prepare complex credit approval documentation with accurate terms, collateral, covenants, and credit exposure inputs.
• Monitor assigned commercial loan portfolios with PMs, track covenants and company performance; implement policies and procedures.

Skills

Financial analysis

Credit analysis

Communication

Attention to detail

Team collaboration

Problem solving

Education

Bachelor’s degree in Accounting/Finance/Business

Tools

Excel

Salesforce

nCino

Access

PowerPoint

Outlook

Word

Job description

Job Description

Location: On site at location(s) 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

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.