Credit Analyst Sr

Location: Onsite at location listed in posting.

Summary

Credit Analyst Sr (CA Sr.) position provides high level analytical support in underwriting/analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships.

Credit Analyst Sr will be expected to provide credit analysis support for assigned commercial and corporate lending relationships.

Work will be completed within a high production-based environment and includes financial statement spreading into Bank software or templates creating and updating loan requests in the Banks loan production software financial statement analysis underwriting support covenant monitoring and industry research for commercial lending prospects/clients. A Sr. Analyst must be willing and capable of working proactively and independently while ensuring the credit quality of the portfolio. 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.

Essential Duties and Responsibilities

• Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I and commercial real estate loans.
• 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 Banks commercial loan system; tracking and completing covenant monitoring completing industry research and developing a strong understanding of the Banks 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 FHBs 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 PMs RMs Credit Risk Managers and senior management and in external meetings with clients and prospects.
• Participate in or lead special projects and assignments.
• 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
• Provide a bullet listing of the positions responsibilities and purpose for the responsibility.
• Performs all other duties as assigned

Qualifications

To perform this job successfully an individual must be able to perform each essential duty satisfactorily. Additionally the qualifications listed below are representative of the knowledge skills and/or abilities required in this position:

• Bachelors degree (B.A.) preferably in Accounting Finance or Business or equivalent in specific work experience
• 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
• Experience as a Credit Analyst II or equivalent role preferred
• 2-5 years of experience or equivalent combination of education and experience in Financial Services Banking Credit Analysis Loan Review or similar background preferred
• 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

Computer and Office Equipment Skills

• 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

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 nations best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at.

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
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Required Experience:

Senior IC