Senior Credit Analyst

6 days ago

West Palm Beach, Florida, United States First Horizon Bank Full time

About the Role

The Senior Credit Analyst position at First Horizon Bank provides high-level analytical support in underwriting and analyzing commercial credit facilities. This role assists Portfolio Managers and Relationship Managers in managing customer relationships and provides credit analysis support for assigned lending relationships.

Key Responsibilities

  • Interpret financial statements and provide financial analysis support for complex C&I loans.
  • Work proactively to ensure production is prioritized appropriately and completed in a timely manner, including financial statement spreading, financial analysis document completion, and updating/modifying requests in the Bank's commercial loan system.
  • Participate in transaction structuring and relationship strategy meetings with management and credit partners to justify and explain information in the analysis.
  • Analyze and prepare complex credit approval documentation in FHB's commercial loan system, accurately reflecting loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure.
  • Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios, tracking covenants, recording financial statements, and monitoring company performance against expectations.
  • Participate in internal credit conversations with PM's, RM's, Credit Risk Managers, and senior management, and in external meetings with clients and prospects.
  • Participate in or lead special projects and assignments, and perform other duties assigned.
  • The successful candidate will demonstrate a high level of ownership of personal performance metrics and team initiatives, flexibility in responding to RM/PM/senior management and client deadlines, extreme attention to detail, and independence within the framework of the role in assisting in achieving business goals.
  • Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations.

Qualifications

  • Bachelor's degree in Accounting, Finance, or Business, or equivalent in specific work experience.
  • Or more years of related experience in Financial Services, Banking, Credit Analysis, Loan Review, or similar background.
  • Familiarity with corporate credit products and the processes used to analyze financial data.
  • Good fundamental understanding of general bank operations and the commercial lending process.
  • Strong computer skills required with Access, Word, PowerPoint, Outlook, and highly proficient skills with Excel.
  • Experience with Salesforce or nCino applications is a plus.
  • Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing, with senior executives, business unit management, and staff.
  • Ability to read, analyze, and interpret financial reports and legal documents, perform simple to complex calculations, effectively research, analyze, and evaluate information to make decisions, solve problems, and achieve goals.

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