ABL Analyst

Credit Analyst

The Credit Analyst will work directly with the deal team in analyzing, underwriting and monitoring all credit facilities within their portfolio. As a Credit Analyst, the individual will learn the basics of deal making and loan structures while being exposed to other departments within the Bank. The Credit Analyst is an excellent first position in banking that paves the way to numerous other opportunities within First Horizon including sales, credit, relationship management, loan review or other similar positions.

Work with the Portfolio Manager (PM) and Relationship Manager (RM) in completing at least 80% of the credit analysis. The credit analysis is Commercial Banking's primary document for analyzing and underwriting all new and outstanding loans. The credit analyst performs an in depth analysis on the borrower's ability to repay focusing on the company and owner's background, recent and historical financial performance, guarantor's (if applicable) financial condition, collateral performance, risk rating, risk-adjusted return on capital, and several other factors related to First Horizon's underwriting policies and guidelines.

Duties and Responsibilities

• Work directly with PM, RM and clients to address needs efficiently and accurately
• Spread financial statements
• Provide advanced analysis in assessing and evaluating current and new business opportunities
• Interact with clients through email, phone conversations, field exams, bank group meetings, etc.
• Project manage complex credit requests and analyses and see them through to completion
• Identify emerging industry trends and proactively monitor the risk in the current book of business
• Attend credit meetings and learn to properly present modifications and new to bank opportunities to internal credit partners for final approval

Knowledge and Skills

Education

Exceptional educational background required. CFA Level II Candidates and above preferred.

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.

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