Credit Analyst

Locations: On site in locations listed New Orleans, LA; Metairie, LA; Houston, TX; and Dallas, TX

Summary:

The Credit Analyst will work directly with the Market Investor Commercial Real Estate Portfolio Management team and will be expected to provide 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.

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 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.

Education:

• Bachelor’s degree required, Real Estate, Finance or Accounting major preferred. At a minimum, the candidate should have exposure to real estate, finance and accounting through completed college courses or relevant work experience.

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.

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Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThe contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)PDN-9db23560-341f-403c-b21d-7693da38544d

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