Credit Analyst in Memphis, TN at First Horizon National Corporation

Date Posted: 1/1/2020

Job Snapshot

Job Description

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 positions within First Tennessee including sales, credit, relationship management, loan review or other similar positions.

Duties & Responsibilities:

Work with the Portfolio Manager (PM) and Relationship Manager (RM) in completing the credit analysis.  The credit analysis is Commercial Banking's primary document for analyzing and underwriting all new and outstanding loans.  The credit analysis 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, and several other factors related to First Horizon's underwriting policies and guidelines.

Enter borrower’s financial statements into spreadsheet software to facilitate underwriting. Works to obtain industry information on borrowers’ industries to assist in identification of risks to borrowing companies.

Support the PM and RM team in managing the client relationship as needed.  The Credit Analyst will sit in on credit meetings as needed and join the RM on client calls on occasion.


Bachelor’s degree required, Finance or Accounting major preferred.  At a minimum, the candidate should have exposure to finance and accounting through completed college courses or relevant work experience.2-4 years of experience required;  4-6 years preferred.

Accurate typing, spelling and grammar skills 

Proficient with applicable computer software

Good written and oral communication skills

Good organizational and customer service skills

Good fundamental understanding of general bank operations, proficient understanding of the components of financial planning, deposit products, small business products, investment and insurance products.

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)