**Description** **Locations: On site located in listing.** **Summary** The Credit Analyst role works closely with the market Relationship Manager and Portfolio Manager team to underwrite credit requests such as new loans, renewals, and annual reviews, as well as assisting in ongoing portfolio monitoring duties. Responsibilities include spreading company and personal guarantor financials, testing covenants, performing accurate risk ratings, and assisting the PM with detailed credit analysis to identify and mitigate any potential weaknesses. This includes financial analysis of borrower’s income statement, balance sheet, and statement of cash flows, determining sufficient debt service coverage ability, and analyzing secondary sources of repayment such as collateral and/or guarantor support. The Analyst will also work with the Market and Credit teams in defining an appropriate loan structure. Other responsibilities included below: **Essential Duties and Responsibilities** + Underwrite C&I and real estate related credit requests on local borrower relationships exceeding $5MM in total loan exposure. + Document decisions properly and completely with particular diligence given to explanations of overrides or policy 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. **SUPERVISORY RESPONSIBILITIES** None **QUALIFICATIONS** + College degree in related field + 1 – 4 years of relevant experience and/or training preferred. **COMPUTER AND OFFICE EQUIPMENT SKILLS** Microsoft Office Suite **CERTIFICATES, LICENSES, REGISTRATIONS (Ex: CPA, Series 6 or 7 license, etc)** Not required. **About Us** **First Horizon Corp. (NYSE: FHN)** , with $82.6 billion in assets as of September 30, 2024, is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com (https://urldefense.com/v3/\_\_https:/www.firsthorizon.com/\_\_;!!Cz2fjcuE!hpq9hPnrucZCPIAVPojVESItIq-FPzhurNdCrQ3JE8Rkx3gMd70nIk6\_kmPxl66\_oJCEsXs0gNunPowMAMHCmBYPOtUxUGI$) . **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 **Corporate Diversity Commitment:** We remain committed to creating a more equitable society, and that starts with our associates, our clients, and the communities we serve. We do this by elevating equity, providing capital and counsel, and committing to excellence in everything we do. **Follow Us** Facebook (https://www.facebook.com/FirstHorizonBank) X formerly Twitter LinkedIn (http://www.linkedin.com/company/first-horizon-bank) Instagram YouTube (https://www.youtube.com/channel/UCEVs5OMj-b0H9Dr5Q209\_-Q) Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)