Commercial Credit Analyst

Key Responsibilities

• Preparing credit analysis including review/analysis of real estate and C&I loans—specific market information and financial statements for commercial borrowers, guarantors and prospects.
• Working proactively to ensure both production and analyst tasks are 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; tracking and completing covenant monitoring; completing industry research; and having a strong understanding of loan policy.
• Analyzing and preparing complex credit approval documentation in FHB’s approval system.
• Participating in approval conversations with management and credit partners to justify and explain information in the analysis when warranted.
• Tracking covenants, recording financial statements, and monitoring company performance against expectations.
• Performing accurate calculations and inputs while implementing policies, procedures, and guidelines thoughtfully.
• Maintaining oversight of assigned commercial loan portfolios, including monitoring company performance and client interactions.
• Participating in internal credit conversations with PMs, RMs, Credit Risk Managers and senior management, and external meetings with clients and prospects.
• Contributing to special projects and assignments.

Qualifications

• Bachelor’s degree (B.A.) in Accounting, Finance or Business, or equivalent in specific work experience.
• Related experience in the credit analyst role, Financial Services, Banking Industry, Credit Analysis, Loan Review or similar background preferred.
• Strong computer skills required with the following programs: Word, PowerPoint and Outlook, and proficient skills with Excel.
• Ability to read, analyze, and interpret financial reports and legal documents; perform simple to complex calculations; effectively research, analyze, and evaluate 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.

Benefits

• 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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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.