Credit Analyst II

Join One Of The Top Lenders In The Franchise Finance Industry

Opportunity to join one of the top lenders in the franchise finance industry with an exceptional culture and ability to grow your career. Primary role is to provide direct support for an experienced portfolio management team responsible for determining credit worthiness of new and existing borrowers based on established risk criteria.

Essential duties and responsibilities include :

• Assist the portfolio managers with transaction setups, spreading financial statements, credit analysis, preparing projections and sensitivity analysis, completing risk ratings and credit approval documentation.
• Perform annual customer evaluations and review quarterly covenant compliance, documenting the analysis and communicating any issues timely.
• Communicate customer trends and troublesome loans to the portfolio management team leader, senior credit officer and commercial line manager on a timely basis.
• Underwrite enterprise value and real estate related credit requests within established policy, guidelines, and turnaround times.
• Support periodic audits and responsible credit behavior by documenting decisions properly and completely, in adherence to policy, with particular diligence given to explaining overrides, variances, and credit decisions and ensure proper document storage.
• Review commitment letters, loan documentation, past dues (particularly maturing and renewing credits).
• Provide a high level of internal and external customer service including communication of credit decisions, account issues, and answering questions.
• Work with the loan administration and client specialists to manage loan maintenance including delinquencies and monitoring of loans.
• Ensure the systems of record are accurate for the loans being administered and management information is reported timely and accurately.

Supervisory responsibilities : none.

Qualifications :

Computer and office equipment skills : Microsoft Office Suite.

Certificates, licenses, registrations are not required.

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.

Benefit highlights :

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.