Senior Credit Analyst

7 days ago


Memphis, Tennessee, United States First Horizon Full time
About the Role

We are seeking a highly experienced Senior Commercial Credit Review Officer to join our team at First Horizon. As a key member of our Credit Risk Management team, you will be responsible for reviewing and monitoring commercial credit quality and credit risk management practices to ensure compliance with bank policy, strategy, risk appetite, and tolerance.

Key Responsibilities
  • Identify and Assess Credit Risks: Utilize your expertise to identify, assess, and report credit risks in various Bank loan portfolios through the Credit Assurance Services (CAS) process, including transactional review and targeted exams.
  • Monitor Credit Risk Management: Assess and report the effectiveness of Credit Risk Management processes in various lending and lending support areas, providing recommendations to enhance a sound Credit Management and internal control environment.
  • Lead Complex Reviews: Lead different types of exams and handle reviews of complex commercial credits, ensuring compliance with bank policy and risk management guidelines.
  • Desk Officer: Serve as a Desk Officer for assigned portfolios/units, monitoring and reporting credit quality, credit risk management, and emerging risks based on activities such as review of continuous and targeted exam review results, portfolio and industry information, and interaction with Line and Credit Risk Management.
  • Track and Follow-up: Track and follow up on Moderate-High level issues identified in CAS and regulatory exams, validating corrective action plan results.
  • Reporting and Special Projects: Complete department reports and/or special projects as assigned, providing valuable insights to enhance business operations.
  • Mentoring and Training: Provide mentoring and training to other team members, sharing your expertise to enhance their skills and knowledge.
Requirements
  • Education: Bachelor's degree required, with a master's degree preferred.
  • Experience: 8 to 10 years of experience in commercial loan/credit review, credit analysis, underwriting, and portfolio management, with 10+ years of experience preferred.


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