First Horizon Bank logo

Senior Credit Analyst

First Horizon Bank

New Orleans, LAFull-timeSeen todaySeen in employer's feed today

Evaluate my fit

Most applications go out cold — see where you stand first. No sign-up to start.

Watch jobs like this.

Don't just apply. Show up ready.

Olive works from this exact posting.

At a glance

Compensation
No compensation found
Location
New Orleans, LA
Schedule
Full-time
Work Authorization
Not specified

Olive lists jobs from US employers, including remote roles you can work from the United States.

Requirements

Credentials this posting asks for.

Bachelor's degree

Job overview

Responsible for determining creditworthiness and appropriate lines of credit or leading a team of junior credit analysts in evaluating and approving or rejecting loan applications, handling large and complex accounts, and providing guidance on loan structuring and risk management.

Skills & qualifications

RequiredNice to have

Skills

Credit AnalysisLoan StructuringProjectionsSensitivity AnalysisCredit Approval DocumentationCovenant ComplianceWatch List ManagementMentoringLeadershipReal Estate UnderwritingDocumentationCustomer ServiceDelinquency ManagementAudit Coordination

Qualifications

Bachelor's Degree in Related Field8+ Years Relevant Experience

Full job description

Summary

Responsible for either determining credit worthiness and appropriate lines of credit or for leading a team of Junior credit analysts in evaluating and approving/rejecting loan applications based on established criteria. Handles large and/or complex accounts.

Essential Duties and Responsibilities

  • Chair weekly credit meetings, credit analysis and structuring, loan structuring, projections and sensitivity analysis, credit approval documentation

  • Review commitment letters, loan documentation, past dues (particularly maturing and renewing credits), review covenant compliance, loan downgrades

  • Watch list management according to bank guidelines, keeping management fully informed of any material consideration affecting the loan portfolio, board presentations, ensure that credits adhere to credit policy guidelines.

  • Mentoring and leadership of RM's, analyst, and client specialists as it relates to lending, underwriting, and negotiation, etc.

  • Receive credit requests and make approve/decline decisions within established policy, guidelines, and turnaround times.

  • Underwrite real estate related credit requests.

  • Document decisions properly and completely with particular diligence given to explanations of overrides or variances, to include a narrative to explain credit decisions.

  • Provide a high level of customer service to the originators of loan requests to include the communication of credit decisions and answering questions.

  • Works with the loan administration and client specialists to manage delinquencies on loans;

  • Reports troublesome loans to the senior credit officer and commercial line manager on a timely basis.

  • Ensures that the systems of record are accurate for the loans being administered; ensures that management information is reported timely and accurately.

  • Obtains satisfactory loan reviews and ensures that regular audits are performed.

Qualifications

  • College degree in related field

  • At least 8 years of relevant experience and/or training preferred.

Job Identification: 1445

Job Category: Support

Job Schedule: Full time

Degree Level: Bachelor's Degree

Similar jobs, posted recently

Open roles like this one, listed in the last 30 days.

You've read the whole posting — now see how you match it.

Evaluate my fit