Centralized Commercial Lending Credit Analyst

Location: On site in Birmingham, AL, Memphis, TN, Nashville, TN or New Orleans, LA  

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

• College degree in a related business discipline is preferred (Finance, Accounting, Business)
• 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 is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. With $81.7 billion in assets as of December 31, 2023, we serve clients through a team of approximately ~7,300 associates and ~418 banking centers throughout the southeastern United States. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. 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.

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

Corporate Diversity Commitment:
We remain committed to creating a more equitable society, and that starts with our associates, our clients, and the communities we serve. We do this by elevating equity, providing capital and counsel, and committing to excellence in everything we do.

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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)