Locations: Onsite at location posted. 

Summary: 

This position involves more complex underwriting/analyzing commercial real estate loans and assisting Portfolio
Managers and Relationship Managers in managing customers’ relationships. This position in the ProCRE line of
business is effectively a ProCRE training program for future ProCRE CA III’s, PM’s and RM’s within the bank. CA’s are
expected to develop into Portfolio Manager’s, RM’s, or possibly credit partners. The position also provides mentoring
and guidance to Client Specialists and other Credit Analysts as it relates to lending guidelines and underwriting.

Essential Duties and Responsibilities:
Prepare credit analysis including review/analysis of real estate specific and market information and financial
statements for commercial borrowers, guarantors, and prospects.
o Real estate and market-specific analysis will include review, analysis and summary of leases, appraisals,
construction budgets, proformas, etc. Financial statement analysis will include analysis and
presentation of borrower and guarantor balance sheets, income statements, tax returns, global real
estate schedules, cash flows, financial ratios, trends and debt repayment capacity.
o Because ProCRE loans are generally highly customized and frequently of large dollar amounts, Credit
Analyst is expected to adapt or create analytical tools to best suit the specific project/borrower and
exercise sound judgement in determining appropriate depth and sources of analysis including
conducting additional due diligence when deemed necessary. Credit Analyst will exercise discretion
and utilize their personal judgment and experience in determining the best approach to performing
and presenting complex analysis in an effective, concise, and thorough manner. CA’s participate in
approval conversations with management and credit partners to justify and explain information in the
analysis when warranted.
 Analyze and prepare more complex credit approval documentation in First Horizon’s approval system. Credit
Approval Documentation includes loan terms, collateral, entering covenants, determining bank's credit
exposure, and loan grade inputs.
o Credit Analyst is responsible not only for accurate calculations and inputs but also for thoughtful
implementation of ProCRE policies, procedures, guidelines and conventions.
 Responsible for working with Portfolio Managers to monitor and manage assigned commercial real estate loan
portfolio. This responsibility includes tracking covenants, recording financial statements, and monitoring
company performance against expectations.
 Works with the Portfolio Managers and Client Specialists to ensure systems of record are accurate for the loan
portfolio; ensures that management information is reported timely and accurately; obtains satisfactory loan
reviews and ensures that regular reviews of borrowers and real estate projects are performed.
 Participates in internal credit conversations with PM’s, RM’s Credit Risk Managers and senior management and
in external meetings with clients and prospects
 Participates in special projects and assignments and performs other duties assigned.
 Demonstrate consistently high level of ownership in line of business 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.
Education and/or Work Experience Requirements:
 Bachelor’s degree (B.A.), preferably in Accounting, Finance, or Business
 Familiarity with financial instruments and the processes used to analyze financial data
 Good fundamental understanding of general bank operations and the lending process
 Strong computer skills required with the following programs: Access, Word, Excel, PowerPoint and
Outlook.
 Ability to understand and communicate information and ideas in a clear and understandable manner, both
orally and in writing.
 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
Credit Analyst SR Only
 Two to four years of related experience in the Financial Services, Banking Industry, Credit Analysis, Loan Review
or similar background
 Experience as a credit Analyst I or equivalent role
 Familiarity with financial instruments and the processes used to analyze financial data

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. 

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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