SUMMARY
The Credit Analyst position provides analytical support in underwriting/analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships.
ESSENTIAL DUTIES AND 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. The Credit Analyst 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 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.
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.
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.
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
Skills Required
- Bachelor's degree in Accounting, Finance, Business, or equivalent specific work experience
- Familiarity with processes used to analyze financial data
- Strong organization and attention to detail
- Ability to manage multiple priorities and meet deadlines while producing high-quality work
- Entry-level understanding of general bank operations and commercial lending processes
- Ability to communicate information clearly, orally and in writing
- Ability to read, analyze, and interpret financial reports and legal documents
- Ability to perform simple to complex calculations and evaluate information for decision-making
First Horizon Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about First Horizon Bank and has not been reviewed or approved by First Horizon Bank.
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Retirement Support — Retirement offerings include a 401(k) plan with company matching contributions up to 6% of pre-tax income, alongside FSA/HSA options and a defined benefit pension plan. Stock purchase and equity programs (including options and RSUs) also add to longer-term wealth-building opportunities for eligible employees.
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Parental & Family Support — Parental leave is available for childbirth, adoption, foster parenting, or surrogacy, and adoption reimbursement is included in the package. These family-building benefits broaden support beyond traditional maternity/paternity leave structures.
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Wellbeing & Lifestyle Benefits — Wellbeing support includes an internal wellness program, an employee assistance program, and access to a digital wellness platform. Group life insurance and disability coverage (including no-cost options) strengthen financial protection and day-to-day support.
First Horizon Bank Insights
What We Do
When we opened our doors in 1864 on North Court Street in Memphis, we had a simple mission: to provide the best service to our customers, one opportunity at a time. In the 150 years that followed, our communities transformed and expanded. We’ve seen our business and banking in general grow and adapt to the changing needs of customers through the years. But one thing that will always remain constant is our commitment to financial integrity and to helping our customers take good care of their money.
