Strategic Credit Analyst – Underwriting & Portfolio Insight

First Horizon Bank; New Orleans (LA); On-site; USD 55,000 - 85,000; Full time

Job summary

First Horizon Bank is seeking a Credit Analyst to provide analytical support in underwriting commercial credit facilities and assist Portfolio Managers and Relationship Managers in managing client relationships.

Key tasks include financial statement analysis, supporting covenant monitoring, and preparing credit approval documentation within the bank's systems. You will collaborate with PMs and RMs to monitor portfolios and ensure accuracy and policy compliance.

Qualifications

• Bachelor’s degree in Accounting, Finance or Business or equivalent work experience.
• Familiarity with financial data analysis processes.
• Highly organized and detail oriented.
• Ability to manage multiple priorities and meet deadlines while delivering high-quality work.
• Entry-level understanding of bank operations and commercial lending process.
• Clear written and oral communication within team and leadership.
• Ability to read, analyze and interpret financial reports and legal documents.

Responsibilities

• Interpret financial statements and provide analysis for underwriting complex C&I and CRE loans.
• Financial statement spreading; prepare analysis docs; update loan system requests, modifications, renewals and annual reviews; track covenant monitoring and industry research.
• Participate in relationship team meetings to explain analysis to management and credit partners.
• Analyze and prepare credit approval documentation reflecting loan terms, collateral, covenants, and input loan grade in the loan system.
• Monitor assigned commercial loan portfolios with Portfolio Managers; track covenants and company performance against expectations.
• Identify material changes in borrowers' financial statements for credit approval presentations.
• Participate in internal credit conversations and external meetings with clients and prospects.
• Contribute to portfolio management projects and uphold portfolio management metrics and deadlines.
• Performs all other duties as assigned.

Skills

Financial analysis

Organizational skills

Multitasking

Communication skills

Financial reporting interpretation

Education

Bachelor’s degree (B.A.) in Accounting/Finance/Business

Job description

First Horizon Bank is seeking a Credit Analyst to provide analytical support in underwriting commercial credit facilities and assist Portfolio Managers and Relationship Managers in managing client relationships.

Key tasks include financial statement analysis, supporting covenant monitoring, and preparing credit approval documentation within the bank's systems. You will collaborate with PMs and RMs to monitor portfolios and ensure accuracy and policy compliance.