Specialty Finance Credit Analyst II

First Horizon Bank • Nashville, TN • 8h ago

Description

Location: On site in Memphis, TN, Atlanta, GA, Nashville, TN, Charlotte, NC, New Orleans, LA, or Dallas, TX

Summary

The 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 and LOB leaders 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:

Bachelor's degree (BBA or BS) in Accounting, Finance, or a closely related field.

Exceptional educational background required

CFA or CPA candidates preferred

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 www.FirstHorizon.com (https://urldefense.com/v3/\_https:/www.firsthorizon.com/\\;!!Cz2fjcuE!hpq9hPnrucZCPIAVPojVESItIq-FPzhurNdCrQ3JE8Rkx3gMd70nIk6\kmPxl66_oJCEsXs0gNunPowMAMHCmBYPOtUxUGI$) .

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

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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 (https://www.eeoc.gov/poster) notice from the Department of Labor.

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