Search for Senior Credit Analyst roles in Coral Gables, FL, focusing on the financial services industry, with 5+ years of experience, full-time positions and requiring strong Excel skills.

Okay, I've searched for Senior Credit Analyst roles in Coral Gables, FL, within the financial services industry, requiring at least 5 years of experience, full-time positions, and proficiency in Excel. I found 32 positions for you to review.

Senior Credit Analyst

Coral Gables, FL

Financial Services

5 years + Experience

Full Time

Excel

Can you help me to analyze the job description and company culture?

Sure. Here's the analysis:

Job Analysis:

As a Senior Credit Analyst at First Horizon Bank, the key purpose of this role is to provide advanced analytical support in the underwriting and analysis of commercial credit facilities, which is crucial for maintaining the bank's credit integrity and customer relationships. The primary responsibilities include interpreting complex financial statements, conducting detailed financial analyses, and guiding junior analysts and client specialists in adherence to underwriting standards. A Senior Credit Analyst must navigate a fast-paced, deadline-driven environment, prioritizing tasks effectively to ensure timely credit assessments. The role requires strong collaboration with Portfolio Managers and Relationship Managers, indicating that successful candidates will also need to demonstrate effective communication and teamwork. Critical skills for this position encompass not only technical proficiencies related to financial analysis and familiarity with commercial lending processes, but also essential soft skills such as problem-solving, attention to detail, and stakeholder engagement. These skills facilitate the thorough analysis of financial data which aids in making significant lending decisions, solving potential issues quickly, and developing a deep understanding of each client's financial position. Success in this role is likely defined by one’s ability to accurately reflect loan terms and conditions, proactively manage covenants, and maintain strong communication with internal and external parties to minimize risk while maximizing customer satisfaction.

Company Analysis:

First Horizon Corporation, headquartered in Memphis, TN, is positioned as a leading regional financial services company operating across 12 southern states. Its reputation as one of the nation's top employers and its recognition as a trustworthy banking partner signifies a strong commitment to both employee and customer satisfaction. This environment suggests a culture that values long-term relationships, integrity, and comprehensive financial services. The Senior Credit Analyst role is integral to this culture, as it focuses on not only analytical expertise but also on fostering relationships with clients and other stakeholders. Within the organizational structure, this role likely operates as part of a collaborative team that interacts frequently with upper management and various departments. This level of visibility indicates that the analyst’s contributions are critical to achieving larger strategic goals, such as evaluating credit risks effectively, supporting growth initiatives, and ensuring compliance with banking regulations. Overall, this role aligns strategically with First Horizon’s goal of unlocking potential for its clients and contributing to their financial success, highlighting how the functionality of credit analysis is essential to broader company missions and values.

Mock up some interview questions based on the job description.

Absolutely. Here are some mock interview questions that could come up:

Tell me about a time when you had to analyze a complex financial statement for a commercial loan. What challenges did you face, and how did you overcome them?
Can you describe a situation where you had to mentor or guide a junior analyst? What approach did you take and what was the outcome?
Discuss a time you had to balance multiple competing priorities under tight deadlines. How did you ensure all tasks were completed effectively?
How do you prioritize your workload when you have multiple tasks and deadlines that are equally important?
How would you approach a situation where a borrower is not complying with loan covenants?
What steps would you take to assess the financial health of a client before initiating a commercial loan analysis?
Describe your experience with financial modeling and forecasting. How would you apply these skills in preparing credit analysis documents?
Imagine you discover a significant downward trend in a company's financial performance during your analysis. What would you do next?
Why are you interested in working at First Horizon, and how do you see your values aligning with our mission?
How do you think your previous experience has prepared you for the challenges of this Senior Credit Analyst position?
What strategies would you use to ensure clear and effective communication with Portfolio Managers and Relationship Managers regarding complex credit issues?
If you were tasked with leading a special project in the credit analysis team, what steps would you take to ensure its success?
What do you know about the commercial lending process, and how do you think it impacts your responsibilities as a Senior Credit Analyst?
Could you explain a financial analysis tool or software you have worked with and how it assisted you in your previous roles?

Job Details

Overview Company

Senior Credit Analyst

First Horizon Bank

6 months ago

Highlight

OnsiteFull-time5+ yearsSenior

Summary

First Horizon Bank is seeking a Senior Credit Analyst to join their team in Coral Gables, FL. The role involves providing high-level analytical support in underwriting and analyzing commercial credit facilities, as well as assisting in managing customer relationships.

About the Role

As a Senior Credit Analyst, you will interpret financial statements, provide financial analysis support for complex C&I loans, and ensure timely completion of production tasks. Responsibilities include financial statement spreading, completing financial analysis documents, and updating commercial loan system requests. You will participate in transaction structuring meetings, prepare complex credit approval documentation, and partner with Portfolio Managers to monitor commercial loan portfolios. The role requires accurate calculations, thoughtful implementation of policies, and participation in internal and external credit conversations.

About You

Required:

Bachelor’s degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience.
5 or more years of related experience in Financial Services, Banking, Credit Analysis, Loan Review or similar background.
Familiarity with corporate credit products and the processes used to analyze financial data.
Good fundamental understanding of general bank operations and the commercial lending process.
Strong computer skills with Access, Word, PowerPoint, Outlook, and highly proficient skills with Excel.

Preferred:

Experience with Salesforce or nCino applications.
Ability to read and listen, understand and communicate information and ideas clearly with senior executives and business unit management.

Benefits

Medical with wellness incentives, dental, and vision.
HSA with company match.
Maternity and parental leave.
Tuition reimbursement.
Mentor program.
401(k) with 6% match.

First Horizon Bank

When we opened our doors in 1864 on North Court Street in Memphis, we had a simple mission: to provide the best service to our customers, one opportunity at a time. In the 160 years that followed, our communities transformed and expanded.

We’ve seen our business and banking in general grow and adapt to the changing needs of customers through the years. But one thing that will always remain constant is our commitment to financial integrity and to helping our customers take good care of their money.

Coral Gables, FL