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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.