Commercial Credit Analyst

Commercial Credit Analyst

Job Category: Commercial Lending Requisition Number: COMME017530

Location: On site at location listed in job posting.

Summary: The Credit Analyst position involves underwriting/analyzing commercial loans and assisting Portfolio Managers and Relationship Managers in managing customers' relationships. This position is within the Commercial Lending team. Work will be completed within a production-based environment and includes: financial statement and tax return spreading into Bank software or templates, creating and updating loan requests in the Bank's loan production software, financial credit analysis, underwriting support, covenant monitoring, and industry research for commercial lending prospects/clients.

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.
• Specific skills and analytical tools that may be necessary include: the ability to understand and provide commentary on Company Financial performance; review and provide analysis on leases, appraisals, budgets, projections, guarantor documents, tax returns, cash flows, financial ratios, trends and debt repayment capacity.
• Participating in approval conversations with management and credit partners to justify and explain information in the analysis when warranted.
• Analyzing and preparing complex credit approval documentation in FHB's approval system. Credit Approval Documentation includes loan terms, collateral, entering covenants, determining bank's credit exposure, and loan grade inputs.
• Responsible for working 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.
• Participating in internal credit conversations with PMs, RMs Credit Risk Managers and senior management and in external meetings with clients and prospects.
• Participating in special projects and assignments and performs other duties assigned.
• CA's must 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 role to assist in achieving business goals.

Qualifications Include:

• Bachelor's degree (B.A.), preferably 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.
• Good fundamental understanding of general bank operations, financial analysis, and the lending process
• Strong computer skills required with the following programs: Word, PowerPoint and Outlook and proficient skills with Excel
• 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

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

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.