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First Horizon Bank · 19 hours ago

Commercial Credit Analyst

Nashville, TN

Full-time

Onsite

Entry, Mid Level

First Horizon Bank is a leading regional financial services company, dedicated to helping clients and communities unlock their full potential. The Credit Analyst position involves underwriting and analyzing commercial loans while assisting Portfolio Managers and Relationship Managers in managing customer relationships.

BankingFinanceFinancial ServicesRisk Management

H1B Sponsor Likely

Responsibilities

Preparing credit analysis including review/analysis of real estate and C&I loans—specific market information and financial statements for commercial borrowers, guarantors and prospects

Working proactively to ensure both production and analyst tasks are 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; tracking and completing covenant monitoring; completing industry research; and having a strong understanding of loan policy

Specific skills and analytical tools that may be necessary include: the ability to understand and provide commentary on Company Financial performance; review and provide analysis on leases, appraisals, budgets, projections, guarantor documents, tax returns, cash flows, financial ratios, trends and debt repayment capacity

Participating in approval conversations with management and credit partners to justify and explain information in the analysis when warranted

Analyzing and preparing complex credit approval documentation in FHB’s approval system. Credit Approval Documentation includes loan terms, collateral, entering covenants, determining bank's credit exposure, and loan grade inputs

Responsible for working 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

Participating in internal credit conversations with PMs, RMs Credit Risk Managers and senior management and in external meetings with clients and prospects

Participating in special projects and assignments and performs other duties assigned

CA’s must demonstrate consistently high level of ownership in line of business 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 role to assist in achieving business goals

Qualification

Credit AnalysisFinancial AnalysisLoan ReviewBank OperationsExcelCommunication SkillsProblem Solving

Required

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

Good fundamental understanding of general bank operations, financial analysis, and the lending process

Strong computer skills required with the following programs: Word, PowerPoint and Outlook and 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

Related experience in the credit analyst role, Financial Services, Banking Industry, Credit Analysis, Loan Review or similar background preferred

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)