Credit Analyst - Specialty Finance

Summary

The Specialty Finance team is a dedicated national lending group focused on providing highly monitored asset-based, tailored debt capital solutions to non-bank financial services companies across a wide variety of asset classes in addition to cash flow-based lending for middle market companies across a wide variety of industries.

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 the Bank'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 and LOB leaders through email, phone conversations, field exams, bank group meetings, etc.

• Ability to understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with business unit teammates and leaders

• 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:

• Critical thinker possessing superior analytical abilities with the ability to reach logical conclusions based on the available information

• Strong understanding of accounting

• Microsoft Office: Strong Excel, Word, and presentation building skills

• Ability to manage multiple projects, while maintaining high attention to detail

• Self-starter attitude

• Flexibility and proven ability to diagnose and resolve issues

• Intellectually curious, ability to think outside the box, assertive

• Hard working, smart, creative, analytical, driven, exceptionally organized

• Strong communication skills and results driven

• Ability to work and excel in a team environment

Education:

• Bachelor’s degree (BBA or BS) in Accounting, Finance, or a closely related field.

• Exceptional educational background required

• CFA or CPA candidates preferred

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 nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com (https://urldefense.com/v3/\_\_https:/www.firsthorizon.com/\_\_;!!Cz2fjcuE!hpq9hPnrucZCPIAVPojVESItIq-FPzhurNdCrQ3JE8Rkx3gMd70nIk6\_kmPxl66\_oJCEsXs0gNunPowMAMHCmBYPOtUxUGI$) .

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

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Job Identification: 1695

Job Category: Support

Job Schedule: Full time

Degree Level: Bachelor's Degree