First Horizon Bank - Memphis, TN
posted 5 months ago
The Credit Analyst will work directly with the deal team in analyzing, underwriting, and monitoring all credit facilities within their portfolio. This position is designed for individuals who are looking to learn the basics of deal making and loan structures while being exposed to various departments within First Horizon Bank. As a Credit Analyst, you will be involved in a critical role that serves as an excellent entry point into the banking industry, paving the way for numerous opportunities in areas such as sales, credit, relationship management, loan review, or other similar positions. In this role, you will collaborate closely with the Portfolio Manager (PM) and Relationship Manager (RM) to complete at least 80% of the credit analysis. The credit analysis is a primary document used in Commercial Banking for analyzing and underwriting all new and outstanding loans. You will perform in-depth analyses on the borrower's ability to repay, focusing on various factors including the company and owner's background, recent and historical financial performance, the financial condition of guarantors (if applicable), collateral performance, risk rating, and risk-adjusted return on capital, all in accordance with First Horizon's underwriting policies and guidelines. Your responsibilities will also include addressing client needs efficiently and accurately, spreading financial statements, providing advanced analysis for assessing current and new business opportunities, and interacting with clients through various communication channels. You will project manage complex credit requests and analyses, identify emerging industry trends, and proactively monitor risks in the current book of business. Additionally, you will attend credit meetings and learn to present modifications and new opportunities to internal credit partners for final approval.