Credit Analyst

Location: On site in Brentwood, TN; Metairie, LA; or Birmingham, AL 

At First Horizon Bank Operations, we are on a mission to deliver a seamless customer experience. We are passionate about doing things right and doing the right things. We collaborate with each other and with our internal business partners to delight our customers. We believe in creating an environment where everyone’s ideas are valued so that the team operates at its best. Our team members serve with humility and a deep commitment to their responsibility to be the best at serving their customers one opportunity at a time. 

Summary

The Credit Analyst position is an important piece to the underwriting/credit analysis process.  Credit Analysts in the CCL assist the Underwriting and Relationship Managers with a multitude of front-end work to help provide a quick and efficient client experience.  This position is within the Centralized Commercial Lending (CCL) team. This person will be expected to provide support for commercial lending portfolios within the footprint. Work is expected to be performed within a production-based environment to include, but not limited to financial statement spreading and completion of the CCL’s standard cash flow template.

Key Responsibilities

• Spread financial statements and tax returns.
• Create Global Cash Flows for borrowers, guarantors, and prospects
• Due Diligence including verifying 4506-Cs, ordering tax transcripts, performing background checks.
• Assist underwriters with loan requests on both the new money and renewal side.
• Communicate with RMs, client specialists, and underwriters to ensure that deals are progressing as intended.
• Request missing documentation when necessary.
• Participate in special projects and assignments and other duties as needed.

Requirements

• Bachelor’s degree is required. A degree in a related business discipline is preferred (Finance, Accounting, etc.) 
• At least 1 year of relevant experience preferred, or an equivalent combination of education and experience
• Experience with Microsoft Outlook, Word, Excel, and PowerPoint
• Experience with nCino and Moody’s CreditLens a plus
• Understanding of financial ratios
• Ability to communicate effectively.
• Ability to read, analyze, and interpret financial reports; analyze and evaluate information, solve problems and achieve goals.

About Us
First 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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