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First Horizon Bank · 2 hours ago

Commercial Credit Analyst

Little Rock, AR

Full-time

Onsite

Entry, Mid, Senior Level

1+ years exp

First Horizon Bank is a leading regional financial services company dedicated to helping clients unlock their full potential. The Credit Analyst position involves providing analytical support in underwriting commercial credit facilities and assisting in managing customer relationships while mentoring Client Specialists and other analysts.

BankingFinanceFinancial ServicesRisk Management

H1B Sponsor Likely

Responsibilities

Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I loans in a broad range of industries

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 Equipment Finance's loan/lease system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank’s commercial loan policy

Participate in transaction structuring and relationship strategy meetings with management and credit partners to justify and explain information in the analysis when warranted

Analyze and prepare complex credit approval documentation in the commercial loan origination systems. The senior analyst is responsible for accurately reflecting all loan/lease 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 is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines

Participate in internal credit conversations with PM’s, RM’s Credit Risk Managers and senior management and in external meetings with clients and prospects

Participate in or lead special projects and assignments and performs other duties assigned

The successful candidate will demonstrate consistently high level of ownership of personal performance metrics and team initiatives, flexibility in responding to RM/PM/senior management and client deadlines, extreme level of detail and follow-through, and independence within the framework of the role in assisting in achieving business goals

Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations

Qualification

Financial analysisCredit analysisExcel proficiencyBank operations knowledgeSalesforce experienceNCino experienceCredit Lens experienceCommunication skillsProblem-solving skills

Required

Bachelor's degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience

1 - 2 years of related experience in Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred; 3 - 5 years preferred for the Senior Credit Analyst

Familiarity with corporate credit products and the processes used to analyze financial data

Good fundamental understanding of general bank operations and the commercial lending process

Strong computer skills required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel

Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with senior executives, business unit management and staff, state and federal regulators and officials and significant business partners

Ability to read, analyze and interpret financial reports and legal documents; performs simple to complex calculations; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals

Preferred

Experience with Salesforce, nCino, or Credit Lens applications is a plus

Benefits

Medical with wellness incentives, dental, and vision

HSA with company match

Maternity and parental leave

Tuition reimbursement

Mentor program

401(k) with 6% match

Company

First Horizon Bank

Glassdoor3.6

First Horizon Bank provides personal, business, and corporate banking, and private client services, to families and businesses.

Founded in 1864

Raleigh, North Carolina, USA

5001-10000 employees

https://www.firsthorizon.com/pmc

H1B Sponsorship

First Horizon Bank has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2025 (36)

2024 (31)

2023 (15)

2022 (17)

2021 (19)

2020 (16)