Senior Credit Analyst

Summary The Credit Analyst, Sr position provides high-level analytical support in underwriting and analyzing commercial credit facilities, assisting Portfolio Managers and Relationship Managers in managing customer relationships. A Senior CA is expected to support credit analysis for assigned lending relationships and mentor Client Specialists and other Credit Analysts regarding lending guidelines and underwriting standards. The ideal candidate works well in a team-focused environment and can balance competing priorities in a deadline-driven setting. Key Responsibilities Include Interpret financial statements and provide financial analysis support for underwriting complex C&I loans, focusing on Medical Practices, service companies, and commercial private client ventures. Prioritize production tasks such as financial statement spreading, completing financial analysis documents, updating requests, modifications, renewals, and annual reviews in the Bank’s commercial loan system; track covenant monitoring; conduct industry research; and understand the Bank’s commercial loan policy. Participate in transaction structuring and relationship strategy meetings with management and credit partners to justify analysis findings. Analyze and prepare complex credit approval documentation in FHB’s commercial loan system, accurately reflecting all 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, including tracking covenants, recording financial statements, and monitoring company performance against expectations, while applying policies and procedures thoughtfully. Engage in internal credit discussions with PMs, RMs, Credit Risk Managers, senior management, and external meetings with clients and prospects. Lead or participate in special projects and perform other assigned duties. Demonstrate ownership of performance metrics, flexibility in meeting deadlines, attention to detail, follow-through, and independence within the role to support business goals. Identify and report material changes or trends in borrowers' or guarantors' financial statements observed during credit analysis. Qualifications Include Bachelor’s degree, preferably in Accounting, Finance, Business, or equivalent work experience. Several years of related experience in Financial Services, Banking, Credit Analysis, Loan Review, or similar fields preferred. Familiarity with corporate credit products and financial data analysis processes. Basic understanding of bank operations and the commercial lending process. Strong computer skills, including proficiency in Access, Word, PowerPoint, Outlook, and Excel; experience with Salesforce or nCino is a plus. Excellent communication skills, able to convey ideas clearly both orally and in writing to various stakeholders, including senior executives and regulators. Ability to analyze financial reports and legal documents, perform calculations, and research to make informed decisions. About Us First Horizon Corporation is a leading regional financial services company dedicated to helping clients, communities, and employees unlock their potential through capital and counsel. Headquartered in Memphis, TN, First Horizon Bank operates across the southern states, offering a range of services including commercial banking, private banking, wealth management, retail brokerage, capital markets, fixed income, and mortgage banking. Recognized as one of the nation's best employers and a top reputable bank, more information is available at our website. Benefit Highlights Medical, dental, and vision insurance with wellness incentives HSA with company match Maternity and parental leave Tuition reimbursement Mentor program

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