Senior Credit Analyst
Company: First Horizon
Location: Sarasota
Posted on: December 2, 2025
|
|
|
Job Description:
This position is open to all Internal Associates within any
office location of the Bank’s footprint. 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 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 Experience with Salesforce or nCino
applications is a plus Ability to read and listen, understand and
communicate information and ideas in a clear and understandable
manner, both orally and in writing with senior executives, business
unit management and staff, state and federal regulators and
officials and significant business partners Ability to read,
analyze and interpret financial reports and legal documents;
performs simple to complex calculations; effectively researches,
analyzes and evaluates information to make decisions, solve
problems and achieve goals 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 nations best employers by Fortune and Forbes magazines and a
Top 10 Most Reputable U.S. Bank. More information is available at
www.FirstHorizon.com. 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 • More
FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
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.
Keywords: First Horizon, Sarasota , Senior Credit Analyst, Accounting, Auditing , Sarasota, Florida
