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Senior Credit Analyst

First Horizon

This is a Full-time position in New Orleans, LA posted January 9, 2022.

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Better Together.

A Merger of Equals.

At First Horizon, a Credit Analyst is essential to Commercial Banking as a key member working alongside Relationship Managers and Portfolio Managers.

The Credit Analyst is responsible for underwriting various credit requests for commercial borrowers and working collaboratively with the assigned portfolio manager(s) and relationship manager(s) during the entire commercial loan process.

The Credit Analyst is an excellent first position in banking that can pave the way to numerous other positions within First Horizon including sales, credit, relationship management or other similar positions.

A Day in the Life of a Credit Analyst:

  • Work with the Portfolio Manager in the servicing and monitoring of existing portfolio, including but not limited to the following tasks: Manage receipt and calculation of financial and reporting covenants.
  • Reviews both company and personal annual financial statements for risk trends and potential changes to the risk profile.

    Spreads financials and projections for both company and personal borrowers /guarantors.

  • Ensure the systems of record are accurate for the loans being administered.

    Ensure management information is reported timely and accurately.

    Ensures that regular annual reviews are performed.

  • Provide support with commercial loan origination and ongoing loan portfolio management.

Accurately and timely evaluate borrower credit risk and be able to articulate conclusions to the Deal Team and Management.

Writes the credit analysis memo based on established policies, guidelines, and procedures for existing and new to Bank customers.

Initially grades loans, monitors stale grades report and performs new grading as warranted.

Provides feedback on strengths and weaknesses in prospect and borrower credit profiles, incorporating into underwriting documents such as credit memos and annual reviews.

Works closely with the Portfolio Manager(s) and Relationship Manager(s) on their assigned team(s), proactively asking questions, requesting feedback, and ensuring work is completed with respect to the team’s priorities.

Participates in special projects and assignments.

Performs other duties as assigned.

Education and/or Work Experience Requirements:

  • Bachelor’s degree in finance, banking, business management, or related field of study.
  • 2+ years’ experience in Commercial Credit Underwriting with a commercial bank required.

    5+ years’ experience in Commercial Credit Underwriting with a Commercial Bank required for a senior level position.

  • Prior experience in credit underwriting methodology and analytical abilities.
  • Strong understanding of general bank operations and the lending process.
  • Strong computer skills required with the following programs: Word, Outlook and Excel.
  • Proficiency in spreading software. Financial statement cash flow analysis including tax return and global cash flow.
  • Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with business unit management and staff.
  • Ability to read, analyze and interpret financial reports and legal documents; performs simple to moderately complex calculations; effectively researches, analyzes, evaluates, and articulates conclusions to make decisions, solve problems and achieve goals.


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)