Senior Credit Analyst - CRE

First Horizon Bank; Coral Gables (FL); On-site; USD 70,000 - 110,000; Full time

Benefits offered by this job

Medical with wellness incentives

HSA with company match

Maternity and parental leave

Tuition reimbursement

Mentor program

401(k) with 6% match

Job summary

First Horizon Corporation is seeking a Credit Analyst to analyze commercial real estate loans and support Portfolio Managers and Relationship Managers in maintaining client relationships within the portfolio.

You will prepare credit analyses, draft approval documentation, and monitor loan performance while exercising judgment in adapting analytical tools to complex, large-dollar projects.

Qualifications

• Bachelor’s degree in Accounting, Finance or Business preferred.
• A minimum of five years of related experience in financial services or banking is preferred.
• Accurate typing, spelling and grammar skills.
• Proficient with applicable computer software.
• Good written and oral communication skills.
• Good organizational and customer service skills.

Responsibilities

• Prepare credit analysis including review/analysis of real estate market information and financial statements for commercial borrowers and guarantors.
• Analyze and prepare credit approval documentation with loan terms, collateral and covenants.
• Monitor and manage assigned CRE loan portfolio with covenants and performance tracking.
• Collaborate with PMs and RMs to ensure accurate systems of record and timely reporting.
• Participate in internal and client meetings and special projects.
• Demonstrate ownership, detail orientation, and independence to support business goals.

Skills

Credit analysis

Financial statement analysis

Communication skills

Attention to detail

Customer service

Education

Bachelor's degree in Accounting/Finance/Business

Tools

Credit analysis software

Job description

Summary

This position involves underwriting/analyzing commercial real estate loans and assisting Portfolio Managers and Relationship Managers in managing customers’ relationships within their portfolio.

Duties and Responsibilities

• Prepare credit analysis including review/analysis of real estate specific and market information and financial statements for commercial borrowers, guarantors and prospects.
  • Real estate and market-specific analysis will include review, analysis and summary of leases, appraisals, construction budgets, proformas, etc. Financial statement analysis will include analysis and presentation of borrower and guarantor balance sheets, income statements, tax returns, global real estate schedules, cash flows, financial ratios, trends and debt repayment capacity.
  • Because ProCRE loans are generally highly customized and frequently of large dollar amounts, Credit Analyst is expected to adapt or create analytical tools to best suit the specific project/borrower and exercise sound judgement in determining appropriate depth and sources of analysis including conducting additional due diligence when deemed necessary. Credit Analyst will exercise discretion and utilize their personal judgment and experience in determining the best approach to performing and presenting complex analysis in an effective, concise, and thorough manner. CA’s participate in approval conversations with management and credit partners to justify and explain information in the analysis when warranted.
• Analyze and prepare credit approval documentation in approval system. Credit Approval Documentation includes loan terms, collateral, entering covenants, determining bank's credit exposure, and loan grade inputs.
  • Credit Analyst is responsible not only for accurate calculations and inputs but also for thoughtful implementation of ProCRE policies, procedures, guidelines and conventions.
• Responsible for working with Portfolio Managers to monitor and manage assigned commercial real estate loan portfolio. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations.
• Works with the Portfolio Managers and Client Specialists to ensure systems of record are accurate for the loan portfolio; ensures that management information is reported timely and accurately; obtains satisfactory loan reviews and ensures that regular reviews of borrowers and real estate projects are performed.
• Participates in internal credit conversations with PM’s, RM’s Credit Risk Managers and senior management and in external meetings with clients and prospects
• Participates in special projects and assignments and performs other duties assigned.
• Demonstrate consistently high level of ownership in line of business 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.

Requirements

• Bachelor’s degree (B. A.) in Accounting, Finance or Business preferred. A minimum of five years of related experience in the Financial Services or Banking Industry is preferred.
• Accurate typing, spelling and grammar skills
• Proficient with applicable computer software
• Good written and oral communication skills
• Good organizational and customer service skills

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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