Credit Analyst Sr
Location: Onsite at location listed in posting. Summary The Market Investor CR Credit Analyst, Sr (CA Sr.) t will work directly with the Market Investor Commercial Real Estate Portfolio Management team and will be expected to provide high level credit analysis support for commercial real estate loans including loans to acquire, refinance, and develop income-producing properties. This position will also assist in the credit risk management and servicing of existing portfolios including covenant monitoring, annual servicing, and assessing property/market trends for commercial real estate lending portfolios within the footprint. Essential Duties and Responsibilities Responsible for working with Portfolio Managers to monitor and manage assigned commercial real estate loan portfolio. This responsibility includes timely servicing of the portfolio, tracking and measuring covenants, and monitoring property performance against expectations. Analyze and prepare credit approval documentation in commercial loan system. The Credit Analyst is responsible for accurately reflecting loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure. Assist in the preparation of credit analyses and annual reviews, including review/analysis of real estate projects, market information, and financial statements for commercial borrowers and guarantors. Real estate and market specific analysis will include review, analysis, and summary of leases, rent rolls, appraisals, construction budgets, proformas, etc. Financial statement analysis may include analysis and presentation of borrower and individual tax returns, global real estate schedules, trends, and debt repayment capacity. Responsible for accurate calculations and inputs and implementation of CRE policies, procedures, and guidelines. Works with the Portfolio Managers and Client Specialists to ensure systems of record are accurate for the loan portfolio. Participates in internal credit conversations with Portfolio Managers, Relationship Managers, and Credit partners. Participates in special projects and assignments and performs other duties as assigned. The successful candidate will consistently demonstrate a high level of ownership in team initiatives, flexibility in responding to internal and client deadlines, the ability to work on multiple assignments, have a high level of detail and follow-through, and the ability to work independently within the framework of the role. Knowledge and Skills: Ability to manage multiple projects, while maintaining high attention to detail. Self-starter attitude. Intellectually curious, ability to think outside of the box, assertive. Hard working, smart, creative, analytical, driven, exceptionally organized. Critical thinker possessing analytical skills with the ability to reach logical conclusions on the available information. Strong communication skills and results driven. Ability to work and excel in a team environment. Accurate typing, spelling, and grammar skills. Microsoft Office: strong excel skills. Experience with nCino application is a plus. Ability to read, analyze, and interpret financial reports; perform simple to complex calculations; effectively research, analyze, and evaluate information to make decisions, solve problems and achieve goals. Qualifications Bachelor's degree (B.A.), preferably in Finance, Accounting or equivalent in specific work experience. At a minimum, the candidate should have exposure to finance and accounting through completed college courses or relevant work experience. 1 - 4 years of relevant experience and/or training 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 . 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 Follow Us Facebook X formerly Twitter LinkedIn Instagram YouTube
