Location: On site at location listed in job posting
SummaryThe Credit Analyst will work directly with the deal team in analyzing, underwriting and monitoring all credit facilities within their portfolio. As a Credit Analyst, the individual will learn the basics of deal making and loan structures while being exposed to other departments within the Bank. The Credit Analyst is an excellent first position in banking that paves the way to numerous other opportunities within First Horizon including sales, credit, relationship management, loan review or other similar positions. Work with the Portfolio Manager (PM) and Relationship Manager (RM) in completing at least 80% of the credit analysis. The credit analysis is Commercial Banking's primary document for analyzing and underwriting all new and outstanding loans. The credit analyst performs an in depth analysis on the borrower's ability to repay focusing on the company and owner's background, recent and historical financial performance, guarantor's (if applicable) financial condition, collateral performance, risk rating, risk-adjusted return on capital, and several other factors related to First Horizon's underwriting policies and guidelines.
Duties and Responsibilities:
- Work directly with PM, RM and clients to address needs efficiently and accurately
- Spread financial statements
- Provide advanced analysis in assessing and evaluating current and new business opportunities
- Interact with clients through email, phone conversations, field exams, bank group meetings, etc.
- Project manage complex credit requests and analyses and see them through to completion
- Identify emerging industry trends and proactively monitor the risk in the current book of business
- Attend credit meetings and learn to properly present modifications and new to bank opportunities to internal credit partners for final approval
Knowledge and Skills:
- Critical thinker possessing superior analytical abilities with the ability to reach logical conclusions based on the available information
- Microsoft Office: Strong excel and presentation building skills
- Ability to manage multiple projects, while maintaining high attention to detail
- Self-starter attitude
- Flexibility and proven ability to diagnose and resolve issues
- Intellectually curious, ability to think outside the box, assertive
- Hard working, smart, creative, analytical, driven, exceptionally organized
- Strong communication skills and results driven
- Ability to work and excel in a team environment
Education:
- Exceptional educational background required
- CFA Level II Candidates and above preferred
About Us
First Horizon is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. With $81.7 billion in assets as of December 31, 2023, we serve clients through a team of approximately ~7,300 associates and ~418 banking centers throughout the southeastern United States. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. 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.
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.
