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Capital Bank Credit Analyst
First Horizon National Corporation
Coral Gables, FL, United States
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Description
The Credit Analyst supports Relationship Managers and Portfolio Mangers within the Commercial Mid-Market team. The position is located in Coral Gables, FL.
The selected person is responsible for determining credit worthiness and appropriate lines of credit for commercial product lines, in evaluating and approving/rejecting loan applications based on established criteria. Handles large and/or complex accounts.
Chair weekly credit meetings, credit analysis and structuring, loan structuring, projections and sensitivity analysis, credit approval documentation.
Review commitment letters, loan documentation, past dues (particularly maturing and renewing credits), review covenant compliance, loan downgrades
Watch list management according to bank guidelines, keeping management fully informed of any material consideration affecting the loan portfolio, board presentations, ensure that credits adhere to credit policy guidelines.
May include mentoring and leadership of other analysts, as assigned, and client specialists as it relates to lending, underwriting, and negotiation, etc.
Requirements
Minimum 4-8 years of experience. Experience in analyzing corporate financials and performing accurate spreads is needed.
Bachelors Degree required, ideally in accounting, business or related field.
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 review.