Senior Credit Analyst

Senior Credit Analyst

Job Category : Banking

Requisition Number : SENIO013874

Posted : May 27, 2025

Full-Time

On-site

Alhambra Plaza, 1 Alhambra Plaza, 8th Floor, Coral Gables, FL 33134, USA

Job Details

Description

Location : On site at location listed on job posting.

Summary

The Credit Analyst, Sr position provides high level analytical support in underwriting / analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships. A Senior CA will be expected to provide credit analysis support for assigned lending relationships. The position also provides mentoring and guidance to Client Specialists and other Credit Analysts as it relates to lending guidelines, and underwriting standards. The ideal candidate works well in a team-focused setting and is comfortable balancing competing priorities in a deadline driven environment.

Key Responsibilities Include

• Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I 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 transaction structuring and relationship strategy meetings with management and credit partners to justify and explain information in the analysis when warranted.
• Analyze and prepare complex credit approval documentation in FHB's commercial loan system. The senior 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.
• Participate in internal credit conversations with PM's, RM's Credit Risk Managers and senior management and in external meetings with clients and prospects.
• Participate in or lead special projects and assignments and performs other duties assigned.
• The successful candidate will demonstrate consistently high level of ownership of personal performance metrics 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 framework of the role in assisting in achieving business goals.
• Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations

Qualifications Include

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.

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

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