Credit Analyst II

Location: On site at location listed in job posting. 

SUMMARY
Credit Analyst II (CAII) position provides analytical support in underwriting/analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships. 

Credit Analyst II position will be expected to provide credit analysis support for assigned commercial and corporate lending relationships.

Work will be completed within a high production-based environment and includes financial statement spreading into Bank software or templates, creating and updating loan requests in the Bank’s loan production software, financial statement analysis, underwriting support, covenant monitoring, and industry research for commercial lending prospects/clients. A Credit Analyst II must be willing and capable of working proactively and independently while ensuring the credit quality of the portfolio. The ideal candidate has previous experience as a CA I or equivalent role, exposure to accounting or financial analysis, is detail-oriented, works well in a team-focused setting, and is comfortable balancing competing priorities in a deadline driven environment.
Essential Duties and Job Responsibilities:

• Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I and commercial real estate loans.
• Work proactively to ensure production is prioritized appropriately and completed in a timely manner. Specific tasks include financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank’s commercial loan system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank’s commercial loan policy. 
• Participate in relationship team meetings with management and credit partners to explain information in the analysis when warranted.
• Analyze and prepare credit approval documentation in FHB’s commercial loan system. Credit Analyst II is responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship in the commercial loan system.
• Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations. Credit Analyst II is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines.
• Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations
• Participate in internal credit conversations with PM’s, RM’s Credit Officers and senior management and in external meetings with clients and prospects.
• Participate in portfolio management projects.
• The successful candidate will demonstrate consistently high level of ownership of portfolio management metrics and team initiatives, flexibility in responding to RM/PM/senior management and client deadlines, high level of detail and follow-through, and independence within the framework of the role in assisting in achieving business goals.
• Performs all other duties as assigned

Supervisory Responsibilities
No supervisory responsibilities

Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:

• Bachelor’s degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience.
• 1-2 years of experience or equivalent combination of education and experience related to Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred
• Experience as a Credit Analyst II or equivalent role preferred.
• Fundamental understanding of general bank operations and the commercial lending process.
• Familiarity with the processes used to analyze financial data.
• Highly organized and detail oriented
• Ability to manage multiple priorities and adhere to deadlines while delivering a high-quality work product.
• Entry-level understanding of general bank operations and the commercial lending process
• Ability to understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with business unit teammates and leaders.

Computer and Office Equipment Skills: 

• Strong computer skills required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel
• Experience with nCino applications is a plus

Certificates, Licences, Registrations:

None required

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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