Credit Analyst, Energy Lending
2 weeks ago
Summary:
This position is in the Houston Market and as an Energy Credit Analyst you will be expected to provide credit analysis support for commercial lending portfolios within the footprint. You'll work in a fast production-based environment and include: financial statement spreading into Bank software or templates, creating and updating loan requests in the Bank's loan production software, financial analysis, underwriting support, covenant monitoring, and industry research for commercial lending prospects/clients. As Credit Analyst you will works proactively and independently with some supervision and support from senior members of the team. Provides mentoring and guidance to other Credit Analysts as it relates to lending guidelines, commercial lending systems, and underwriting.
Key Responsibilities:
- Provide support with commercial loan origination and ongoing loan portfolio management, working proactively to ensure both production and portfolio management tasks are prioritized appropriately and completed in a timely manner.
- Specific tasks include: financial statement and tax return spreading into Bank software or templates, creating and updating loan requests in the Bank's loan production software, completing financial analysis, create and present credit memo documents such as new loan requests, modifications, renewals, and annual reviews, tracking and completing covenant monitoring, and completing industry research for commercial lending prospects/clients.
- Provide feedback on strengths and weaknesses in prospect and borrower credit profiles, incorporating into underwriting documents such as credit memos and annual reviews.
- Monitors, analyzes and reports key performance indicators of loan portfolio quality.
- Works closely with the Portfolio Manager(s) and Relationship Manager(s) on their assigned team(s), proactively asking questions, requesting feedback, and ensuring work is completed with respect to the team's priorities.
- Provides mentoring and guidance to other Credit Analysts as it relates to lending guidelines, commercial lending systems, and underwriting.
- Participates in special projects and assignments and performs other duties as assigned.
Qualifications Include:
• Bachelor's degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience
• Related experience in the credit analyst role, Financial Services, Banking Industry, Credit Analysis, Loan Review or similar background preferred.
• Good fundamental understanding of general bank operations, financial analysis, and the lending process
• Strong computer skills required with the following programs: Word, PowerPoint and Outlook and proficient skills with Excel
• 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, state and federal regulators and officials and significant business partners
• Ability to read, analyze and interpret financial reports and legal documents; performs simple to complex calculations; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals
About UsFirst 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
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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 notice from the Department of Labor.
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