Credit Analyst

Description 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. This person will be expected to provide periodic credit analysis support for commercial lending portfolios within the footprint. 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 Prepare credit analysis including review/analysis of real estate and C&I loans—specific market information and financial statements for commercial borrowers, guarantors and prospects. Work 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. Apply skills and analytical tools necessary 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. Participate in approval conversations with management and credit partners to justify and explain information in the analysis when warranted. Analyze and prepare 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. Work with Portfolio Managers to monitor and manage assigned commercial loan portfolios, tracking covenants, recording financial statements, and monitoring company performance against expectations. Ensure accurate calculations and 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 special projects and assignments and perform other duties as assigned. Demonstrate a consistently high level of ownership in line of business and team initiatives, flexibility in responding to deadlines, extreme detail and follow‑through, and independence within the framework of the role. Qualifications Bachelor’s degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience. Related experience in the Financial Services, Banking Industry, Credit Analysis, Loan Review or similar background preferred. Experience as a credit Analyst I or equivalent role preferred. Familiarity with financial instruments and the processes used to analyze financial data. Good fundamental understanding of general bank operations and the lending process. Strong computer skills with Access, Word, PowerPoint, Outlook and proficient Excel skills. Ability to read, listen, understand and communicate information and ideas clearly and understandably, 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; perform simple to complex calculations; effectively research, analyze and evaluate information to make decisions, solve problems and achieve goals. Benefits Medical with wellness incentives, dental, and vision HSA with company match Maternity and parental leave Tuition reimbursement Mentor program401(k) with 6% match Equal Opportunity Employer 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: #J-18808-Ljbffr First Horizon Bank