Credit Analyst

Location:  On site at location listed in the posting. 

Summary

A Credit Analyst provides daily credit analysis support for commercial lending portfolios. Tasks are completed in a production-based environment and include financial statement and tax return spreading into Bank software or templates, creating and updating loan requests in the Bank’s commercial workflow system, financial analysis, underwriting support, covenant monitoring, and industry research for commercial lending prospects/clients.

Key Responsibilities

• Provide support with commercial loan origination and ongoing loan portfolio management, working proactively to ensure both production and portfolio management tasks are prioritized appropriately and completed in a timely manner.
• Specific tasks include financial statement and tax return spreading into Bank software or templates, creating and updating loan requests in the Bank’s commercial workflow system, completing financial analysis, create and present credit memo documents such as new loan requests, modifications, renewals, and annual reviews, tracking and completing covenant monitoring, and completing industry research for commercial lending prospects/clients.
• Provide feedback on strengths and weaknesses in prospect and borrower credit profiles, incorporating into underwriting documents such as credit memos and annual reviews.
• Monitors, analyzes, and reports key performance indicators of loan portfolio quality.
• Works closely with the Portfolio Manager(s) and Relationship Manager(s) on their assigned team(s), proactively asking questions, requesting feedback, and ensuring work is completed with respect to the team’s priorities.
• Participates in special projects and assignments and performs other duties as assigned.

Requirements

• Bachelor’s degree (B. A.) in Accounting, Finance or Business preferred. A minimum of one to two years of related experience in the Financial Services or Banking Industry is preferred.
• Strong understanding and mastery of financial instruments and the processes used to analyze financial data. 
• Strong computer skills required with the following programs: Word, Outlook, and Excel.
• Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with business unit management and staff.
• Ability to read, analyze and interpret financial reports; performs simple to moderately complex calculations; effectively researches, analyzes, evaluates, and articulates conclusions to make decisions, solve problems and achieve goals.

About Us
First Horizon Corp. (NYSE: FHN), with $82.6 billion in assets as of September 30, 2024, 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.

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
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits

Corporate Diversity Commitment:
We remain committed to creating a more equitable society, and that starts with our associates, our clients, and the communities we serve. We do this by elevating equity, providing capital and counsel, and committing to excellence in everything we do.

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