Senior Credit Analyst - Market Investor CRE

First Horizon • Tampa, FL

96d

About The Position

The Credit Analyst will work directly with the Market Investor Commercial Real Estate Portfolio Management team and will be expected to provide credit analysis support for commercial real estate loans including loans to acquire, refinance, and develop income-producing properties. This position will also assist in the credit risk management and servicing of existing portfolios including covenant monitoring, annual servicing, and assessing property/market trends for commercial real estate lending portfolios within the footprint.

Requirements

• Bachelor's degree required, Real Estate, Finance or Accounting major preferred.
• 2+ years of relevant experience preferred.
• Ability to manage multiple projects, while maintaining high attention to detail.
• Self-starter attitude.
• Intellectually curious, ability to think outside of the box, assertive.
• Hard working, smart, creative, analytical, driven, exceptionally organized.
• Critical thinker possessing analytical skills with the ability to reach logical conclusions on the available information.
• Strong communication skills and results driven.
• Ability to work and excel in a team environment.
• Accurate typing, spelling, and grammar skills.
• Strong Excel skills.
• Experience with nCino application is a plus.
• Ability to read, analyze, and interpret financial reports; perform simple to complex calculations; effectively research, analyze, and evaluate information to make decisions, solve problems and achieve goals.

Responsibilities

• Responsible for working with Portfolio Managers to monitor and manage assigned commercial real estate loan portfolio.
• Timely servicing of the portfolio, tracking and measuring covenants, and monitoring property performance against expectations.
• Analyze and prepare credit approval documentation in commercial loan system.
• Accurately reflect loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculate credit exposure.
• Assist in the preparation of credit analyses and annual reviews, including review/analysis of real estate projects, market information, and financial statements for commercial borrowers and guarantors.
• Review, analyze, and summarize leases, rent rolls, appraisals, construction budgets, proformas, etc.
• Analyze and present borrower and individual tax returns, global real estate schedules, trends, and debt repayment capacity.
• Responsible for accurate calculations and inputs and implementation of CRE policies, procedures, and guidelines.
• Work with Portfolio Managers and Client Specialists to ensure systems of record are accurate for the loan portfolio.
• Participate in internal credit conversations with Portfolio Managers, Relationship Managers, and Credit partners.
• Participate in special projects and assignments and perform other duties as assigned.

Benefits

• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree