Senior Credit Analyst

Description

Location: On site at location listed in job posting

Responsible for either determining credit worthiness and appropriate lines of credit or for leading a team of Junior credit analysts in evaluating and approving/rejecting loan applications based on established criteria. Handles large and/or complex accounts.

• Chair weekly credit meetings, credit analysis and structuring, loan structuring, projections and sensitivity analysis, credit approval documentation
• Review commitment letters, loan documentation, past dues (particularly maturing and renewing credits), review covenant compliance, loan downgrades
• Watch list management according to bank guidelines, keeping management fully informed of any material consideration affecting the loan portfolio, board presentations, ensure that credits adhere to credit policy guidelines.
• Mentoring and leadership of RM s, analyst, and client specialists as it relates to lending, underwriting, and negotiation, etc.
• Receive credit requests and make approve/decline decisions within established policy, guidelines, and turnaround times.
• Underwrite real estate related credit requests.
• Document decisions properly and completely with particular diligence given to explanations of overrides or variances, to include a narrative to explain credit decisions.
• Provide a high level of customer service to the originators of loan requests to include the communication of credit decisions and answering questions.
• Works with the loan administration and client specialists to manage delinquencies on loans;
• Reports troublesome loans to the senior credit officer and commercial line manager on a timely basis.
• Ensures that the systems of record are accurate for the loans being administered; ensures that management information is reported timely and accurately.
• Obtains satisfactory loan reviews and ensures that regular audits are performed.

• College degree in related field
• At least 8 years of relevant experience and/or training preferred.

About Us

First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services.

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. More information is available at

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

Equal Opportunity Employer
/Protected Veterans/Individuals with Disabilities. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.