Senior Credit Analyst

First Horizon • Coral Gables, FL

106d

About The Position

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.

Requirements

• Bachelor's degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience.
• 5 or more years of related experience in Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred.
• Familiarity with corporate credit products and the processes used to analyze financial data.
• Good fundamental understanding of general bank operations and the commercial lending process.
• Strong computer skills required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel.
• Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing.
• Ability to read, analyze and interpret financial reports and legal documents.

Nice To Haves

• Experience with Salesforce or nCino applications is a plus.

Responsibilities

• 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.
• Perform financial statement spreading; complete financial analysis documents; update and create new requests, modifications, renewals and annual reviews in the Bank's commercial loan system.
• Track and complete covenant monitoring, complete industry research and develop a strong understanding of the Bank's commercial loan policy.
• Participate in transaction structuring and relationship strategy meetings with management and credit partners.
• Analyze and prepare complex credit approval documentation in FHB's commercial loan system.
• Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios.
• Participate in internal credit conversations with PM's, RM's, Credit Risk Managers and senior management.
• Participate in or lead special projects and assignments and perform other duties assigned.
• Identify and report material changes or trends in the financial statements of borrowers or guarantors.

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: Mid Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree