Commercial 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 customersu2019 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 Banku2019s loan production software, financial credit analysis, underwriting support, covenant monitoring, and industry research for commercial lending prospects/clients. Key Responsibilities : u2022 Preparing credit analysis including review/analysis of real estate and C&I loansu2014specific market information and financial statements for commercial borrowers, guarantors and prospects. u2022 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. u2022 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. u2022 Participating in approval conversations with management and credit partners to justify and explain information in the analysis when warranted. u2022 Analyzing and preparing complex credit approval documentation in FHBu2019s approval system. Credit Approval Documentation includes loan terms, collateral, entering covenants, determining bank's credit exposure, and loan grade inputs. u2022 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. u2022 Participating in internal credit conversations with PMs, RMs Credit Risk Managers and senior management and in external meetings with clients and prospects. u2022 Participating in special projects and assignments and performs other duties assigned. u2022 CAu2019s 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 : u2022 Bacheloru2019s degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience u2022 Related experience in the credit analyst role, Financial Services, Banking Industry, Credit Analysis, Loan Review or similar background preferred. u2022 Good fundamental understanding of general bank operations, financial analysis, and the lending process u2022 Strong computer skills required with the following programs: Word, PowerPoint and Outlook and proficient skills with Excel u2022 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 u2022 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 u2022 Medical with wellness incentives, dental, and vision u2022 HSA with company match u2022 Maternity and parental leave u2022 Tuition reimbursement u2022 Mentor program u2022 401(k) with 6% match u2022 More -- /First-Horizon-National-Corporation/Careers/Our-Benefits Follow Us Facebook ( X formerly Twitter LinkedIn ( Instagram YouTube ( 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.

Created: 2025-12-25