Locations: On site located in listing. 

Summary

The Credit Analyst role works closely with the market Relationship Manager and Portfolio Manager team to underwrite credit requests such as new loans, renewals, and annual reviews, as well as assisting in ongoing portfolio monitoring duties. Responsibilities include spreading company and personal guarantor financials, testing covenants, performing accurate risk ratings, and assisting the PM with detailed credit analysis to identify and mitigate any potential weaknesses. This includes financial analysis of borrower’s income statement, balance sheet, and statement of cash flows, determining sufficient debt service coverage ability, and analyzing secondary sources of repayment such as collateral and/or guarantor support. The Analyst will also work with the Market and Credit teams in defining an appropriate loan structure. Other responsibilities included below:                                                                                   

Essential Duties and Responsibilities

Underwrite C&I and real estate related credit requests on local borrower relationships exceeding $5MM in total loan exposure. Document decisions properly and completely with particular diligence given to explanations of overrides or policy 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.                           SUPERVISORY RESPONSIBILITIES

None

QUALIFICATIONS College degree in related field 1 – 4 years of relevant experience and/or training preferred. COMPUTER AND OFFICE EQUIPMENT SKILLS

Microsoft Office Suite

CERTIFICATES, LICENSES, REGISTRATIONS (Ex: CPA, Series 6 or 7 license, etc)

Not required.

About Us
First Horizon Corp. (NYSE: FHN), with $82.6 billion in assets as of September 30, 2024, 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 www.FirstHorizon.com.

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
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits

Corporate Diversity Commitment:
We remain committed to creating a more equitable society, and that starts with our associates, our clients, and the communities we serve. We do this by elevating equity, providing capital and counsel, and committing to excellence in everything we do.

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