Credit analyst jobs in Davie, FL

This position will be embedded within the Syndications team, providing credit expertise to support the origination, distribution and management of syndicated loan transactions in the USA. The role and will be responsible for analyzing and evaluating primary and secondary loan opportunities, preparing thorough credit assessments, and ensuring that transactions align with the bank's appetite and policies. This position requires strong analytical capabilities, market knowledge of syndicated loan is a plus, and the ability to coordinate closely with internal stakeholders and Credit Department Managers. Compliance with OFAC Regulations is the responsibility of ALL employees of the Bank. Employee is expected to be familiar with and have knowledge of the requirements of OFAC Regulations. DUTIES & RESPONSABILITIES: • Prepares credit analysis report for use by lending officers and the Bank's respective Credit Committees for their consideration to approve or deny credit facilities for corporate and institutional USA borrowers. In order to accomplish this function, the analyst: o Verifies that the required audit level for financial information submitted by the borrowers conforms to Bank's policy. o o Analyzes financial ratios derived from the spreading of the financial information. o Reviews the comparative spreads of borrower's and peer group's ratios and draws appropriate conclusions. o Runs and analyzes appropriate credit reference reports such Standard & Poors, Moody's, and Fitcho o Requests and reviews credit references from other available informational sources. o Prepares credit analyses reports by presenting facts, and offers reasoned opinions in respect to the credit condition of the borrower being reviewed. All of this work is conducted in a largely independent manner, with only occasional consultation and review by the Credit Department Manager. • Prepares industry study reports on the industries in which the Bank extends credit. Reviews the Bank's portfolio position in each industry being analyzed and assesses the overall risk position being incurred. • Provides clear assessment as to whether a proposed or existing loan is within established credit policy guidelines. • Maintains extensive communication with Lending Officers, and Credit Department Managers providing assistance on the preparation of new loans and renewals. • Assists the Credit Managers and Chief Credit Officer in training and supervising more junior credit analysts by showing them how to spread and analyze financial statements, prepare peer group comparisons, calculate and utilize financial ratios, understand and utilize cash flows, and evaluate all of the non-numerical aspects of evaluating credit risk. • Provides necessary support to Credit Managers, Credit Portfolio Managers, and Chief Credit Officer. DESIRABLE EXPERIENCE AND SKILLS: • Requires a Bachelor's degree, preferably with a business, finance major or related field. An advanced degree in business, finance, or economics is desirable. • A minimum of three - four years previous credit training and experience is required, preferably within syndicated loans, or corporate banking . • Requires strong knowledge and experience with word processing and spreadsheet software such as Microsoft Word and Excel. A high level of accuracy is important. • Work typically involves reading, large amounts of writing, and substantial arithmetical calculations. Requires the ability to conduct research, strong conceptual and analytical skills, and the ability to write and speak effectively. Strong time management and organizational skills, with the ability to prioritize and manage multiple transactions. • Fluency in both spoken and written Spanish is highly desirable. Work is typically sedentary and requires the ability to work using computer equipment for up to 95 percent of the workday. BSA COMPLIANCE I understand and acknowledge that, in addition to the duties outlined in this job description, I am also responsible for ensuring that my duties are performed in full compliance with all of the bank's Bank Secrecy Act, Anti-Money Laundering, and OFAC policies and procedures as well as related Federal Laws and Regulations. Furthermore, I understand that I must create and foster a culture of BSA, AML, and OFAC Compliance within the institution. Lastly, I agree to address any and all questions I may have about the Bank's BSA/AML/OFAC Program to the Bank's BSA Department. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to use hands to fingers, handle, or feel and talk or hear. The employee frequently is required to stand, walk, sit, and reach with hands and arms. The employee is occasionally required to climb or balance and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus. WORK ENVIROMENT The work environment characteristics described here are representative of those employees' encounters with performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions While performing the duties of this job, the employee is occasionally exposed to risk of electrical shock. The noise level in the work environment is usually moderate. Intercredit Bank is an equal opportunity employer.

Job Title: Credit Analyst Salary Range: $60,000 - $80,000, plus commission LoanBud is a rapidly expanding fintech focused on supporting small businesses through innovative financing solutions. Our mission is to empower small-business owners by providing streamlined access to capital through SBA and other small-business loans. We foster a culture of growth, teamwork, and dedication to the entrepreneurial spirit. Position Overview We're hiring a Credit Analyst to evaluate and prequalify SBA 7(a) transactions, compile complete lender-ready packages, and submit files for underwriting. You will analyze cash flow, build DSCR calculations, collect and track documents, and collaborate with buyers, sellers, brokers, and lenders to move deals efficiently from inquiry to approval. Prior M&A or business-brokerage experience is a plus. Key Responsibilities Deal Screening and Prequalification: Review listings and buyer scenarios for SBA 7(a) eligibility; assess structure, DSCR, working capital, and debt capacity; flag issues and propose mitigants. Credit Analysis: Build pro forma P&Ls, cash-flow statements, debt schedules, and sensitivity cases; evaluate add-backs, owner compensation, and collateral; summarize strengths, risks, and conditions. Packaging and Submission: Assemble complete loan packages and lender forms; draft concise credit write-ups; submit to lenders and manage follow-ups through screening and underwriting. Document Collection: Own checklists and timelines for financials, tax returns, bank statements, personal financial statements, purchase agreements, and related materials; drive stakeholder responses. Stakeholder Coordination: Communicate with internal teams, buyers, sellers, and brokers; schedule calls; track milestones; keep CRM/LOS records current and accurate. Process Improvement: Standardize templates and Excel tools; suggest automation to speed analysis and packaging. Requirements Bachelor's degree in Finance, Accounting, Economics, or related field (or equivalent experience). 1-3+ years in credit analysis, underwriting support, corporate finance, investment banking, or business brokerage; SBA 7(a) exposure preferred. Strong cash-flow analysis skills with command of DSCR and debt-capacity concepts. High proficiency in Excel (financial modeling, pivot tables, lookups) and comfort working with PDFs and statements. Clear written and verbal communication; highly organized, detail-oriented, and deadline-driven. Nice to have: prior M&A or quality-of-earnings experience; familiarity with tax returns and common add-backs. Location The position is office-based in Fort Lauderdale, supporting our collaborative and interactive company culture. Compensation & Benefits Compensation: Base salary $60k - $80k plus commission. Comprehensive health, dental, and vision insurance. Generous paid time off to support work‑life balance. Competitive 401(k) plan with substantial company matching. Application Process Interested candidates are invited to submit a detailed résumé and a compelling cover letter that explains their suitability for the role and their motivation to join LoanBud. LoanBud is dedicated to creating a diverse and inclusive work environment. We are an equal‑opportunity employer and welcome applications from all qualified candidates. Be Part of Our Growth Story Join LoanBud and help more entrepreneurs close on great businesses. Your analysis will directly accelerate approvals and unlock capital for small-business owners nationwide-apply today and help shape the future of how small businesses access SBA financing.

Lead examinations of the different loan portfolios of AMTB, ensuring that the credit quality and credit administration of the Bank's portfolio conforms to Bank's Policy & Procedures, and regulatory guidance. Provide useful continual feedback on the effectiveness of the lending process in order to identify any emerging risks. Responsibilities: * Conduct and lead credit reviews of mid-to-large size loans or portfolios of high complexity (i.e. Domestic & International Commercial - small businesses, middle market & corporate, Commercial Real Estate, Real Estate Construction, and Financial Institutions Loans) to validate the risk rating, promptly identifying potential credit weaknesses and recommending changes in assigned risk ratings as deemed necessary. * Prepare and submit credit risk review reports for each review conducted, ensuring reports accurately reflect findings documented in work papers, including related risks. Ensure conclusions and recommendations are reasonable and well-based and all reports are prepared in an efficient, timely, and concise manner. * Plan and supervise field work, performance of procedures in key areas, work paper review, and status meetings. Recommend adjustments to review methods and systems and perform loan review program updates as appropriate. * Manage personnel on assignments to balance workload and establish priorities in order to meet commitments and accomplish all major objectives accurately and in a timely manner (i.e. completing fieldwork and review note corrections, ongoing communication, planning, and report preparation). * Evaluate assigned Criticized Asset Reports for impaired credits in order to confirm the accuracy of the assigned risk rating, accrual and BEFD status, adequacy of the impairment calculation (ASC-310) and designation. * Review the completeness of the credit loan files and collateral documentation and research the customer's overall relationship with the Bank and determine significant technical deficiencies and credit risks. * Identify and communicate credit policy exceptions and issues to Loan Officers/Department Managers to address credit/legal deficiencies on a timely basis. * Maintain proper documentation, including cross-reference and other techniques required for creating and maintaining an adequate audit trail. * Maintain current knowledge of business, organizational, credit risk and technological changes as well as pertinent internal, credit and regulatory policy and procedural requirements to ensure review integrity, process innovation, and service quality. * Provide guidance to team members in the following areas: adopting the operating procedures of the department, formats used and criteria applied to the various types of loans, and implement the credit policies and procedures. * Back up function for other operational roles performed in the department, as required by manager. * Prepare presentations, reports, charts, and special assignments in support of the Credit Review Department and Management for presentation at the corresponding committees. * Assist Credit Review Manager in special projects. * Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues. * Other duties as required. Minimum Education and/or Certifications Requirements: * Bachelors degree in Accounting, Finance, Economics is required. * Formal credit analysis training required. Minimum Work Experience Requirements: Minimum of 5 years' experience in the Credit Review and/or credit analysis functions is required, including 2-year experience in loan review. Technical and/or Other Essential Knowledge: * Previous experience with MS Office Skills, including MS Word II, MS Excel II, Access II and MS PowerPoint II required. * Knowledge of regulatory requirements, market area and economic climate, and standards applicable to Domestic & International Commercial Lending (small business, middle market, and corporate), Commercial Real Estate, Real Estate Construction, and Financial Institutions loans. * Advance credit risk analysis skills. * Basic statistics skills required. * Ability to seek and gather information from a variety of sources. * Strong analytical ability in order to render a final and objective determination on the credit evaluation. * Maintain an objective and independent perspective throughout

Lead examinations of the different loan portfolios of AMTB, ensuring that the credit quality and credit administration of the Bank's portfolio conforms to Bank's Policy & Procedures, and regulatory guidance. Provide useful continual feedback on the effectiveness of the lending process in order to identify any emerging risks. Responsibilities: Conduct and lead credit reviews of mid-to-large size loans or portfolios of high complexity (i.e. Domestic & International Commercial - small businesses, middle market & corporate, Commercial Real Estate, Real Estate Construction, and Financial Institutions Loans) to validate the risk rating, promptly identifying potential credit weaknesses and recommending changes in assigned risk ratings as deemed necessary. Prepare and submit credit risk review reports for each review conducted, ensuring reports accurately reflect findings documented in work papers, including related risks. Ensure conclusions and recommendations are reasonable and well-based and all reports are prepared in an efficient, timely, and concise manner. Plan and supervise field work, performance of procedures in key areas, work paper review, and status meetings. Recommend adjustments to review methods and systems and perform loan review program updates as appropriate. Manage personnel on assignments to balance workload and establish priorities in order to meet commitments and accomplish all major objectives accurately and in a timely manner (i.e. completing fieldwork and review note corrections, ongoing communication, planning, and report preparation). Evaluate assigned Criticized Asset Reports for impaired credits in order to confirm the accuracy of the assigned risk rating, accrual and BEFD status, adequacy of the impairment calculation (ASC-310) and designation. Review the completeness of the credit loan files and collateral documentation and research the customer's overall relationship with the Bank and determine significant technical deficiencies and credit risks. Identify and communicate credit policy exceptions and issues to Loan Officers/Department Managers to address credit/legal deficiencies on a timely basis. Maintain proper documentation, including cross-reference and other techniques required for creating and maintaining an adequate audit trail. Maintain current knowledge of business, organizational, credit risk and technological changes as well as pertinent internal, credit and regulatory policy and procedural requirements to ensure review integrity, process innovation, and service quality. Provide guidance to team members in the following areas: adopting the operating procedures of the department, formats used and criteria applied to the various types of loans, and implement the credit policies and procedures. Back up function for other operational roles performed in the department, as required by manager. Prepare presentations, reports, charts, and special assignments in support of the Credit Review Department and Management for presentation at the corresponding committees. Assist Credit Review Manager in special projects. Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues. Other duties as required. Minimum Education and/or Certifications Requirements: Bachelors degree in Accounting, Finance, Economics is required. Formal credit analysis training required. Minimum Work Experience Requirements: Minimum of 5 years' experience in the Credit Review and/or credit analysis functions is required, including 2-year experience in loan review. Technical and/or Other Essential Knowledge: Previous experience with MS Office Skills, including MS Word II, MS Excel II, Access II and MS PowerPoint II required. Knowledge of regulatory requirements, market area and economic climate, and standards applicable to Domestic & International Commercial Lending (small business, middle market, and corporate), Commercial Real Estate, Real Estate Construction, and Financial Institutions loans. Advance credit risk analysis skills. Basic statistics skills required. Ability to seek and gather information from a variety of sources. Strong analytical ability in order to render a final and objective determination on the credit evaluation. Maintain an objective and independent perspective throughout

Job Description CRE Credit Analyst -Miami, FL FinTrust Connect has partnered with a community-focused regional banking institution to identify a skilled Credit Analyst specializing in Commercial Real Estate. This is a hybrid role based in Coral Gables, FL, ideal for a candidate who thrives on analyzing complex CRE transactions and supporting portfolio performance in a dynamic, deal-driven environment. Why this opportunity? Culture: Credit-first institution with collaborative deal teams and a focus on responsible lending practices Workplace: Hybrid in Coral Gables, FL Function: CRE underwriting and portfolio oversight for new originations, renewals, and ongoing risk management Requirements: Minimum of 5 years of experience underwriting CRE loans in a commercial banking environment Bachelor's degree and formal credit training program preferred Proficiency in financial statement analysis, loan structuring, and real estate valuation methods Experience with borrowing base certificates, appraisals, rent rolls, and third-party CRE reports Knowledge of regulatory guidelines and risk rating methodologies Strong Excel and credit modeling skills Description: Underwrite and structure commercial real estate transactions including acquisitions, refinances, construction loans, and extensions Participate in client meetings and internal credit discussions to assess risk, guide loan structure, and ensure compliance with policy Prepare credit presentations and submit recommendations to appropriate credit authorities Monitor ongoing CRE loan portfolios for financial covenant compliance, maturing debt, collateral performance, and reporting requirements Analyze borrower financials, appraisals, rent rolls, and third-party reports to validate underwriting assumptions and risk exposure Maintain accurate and timely internal reports including criticized asset monitoring and risk ratings Coordinate with relationship managers, risk officers, and asset managers to support deal execution and portfolio performance Contribute to special projects and portfolio reviews focused on CRE credit exposure and strategic risk management

Type: Full -Time | On -Site Urgent Hire - Fast Interview Process We are seeking a Corporate Banking Credit Analyst II to support the Corporate -Syndicated Lending segment of a leading financial institution headquartered in Miami. This is a high -visibility role within a dynamic and growing team focused on Syndicated Loans (50%), Middle Market Lending (25%), and Project Finance (25%). The position operates in a credit -investor environment, analyzing Term Loans in both primary and secondary markets-holding them through maturity-while also participating in bilateral and club deals. This is an industry -agnostic position with direct exposure to senior leadership and strategic decision -making. Key Responsibilities: Draft comprehensive Credit Approval Memorandums (CAMs) for new and existing loans, annual reviews, waivers, and amendments. Conduct in -depth credit underwriting and financial analysis using a wide range of materials (financials, models, lender decks, filings, reports, etc.). Ensure loan proposals are compliant with internal credit policies and underwriting standards. Proactively address potential credit committee questions and risks within the CAM. Present findings to the Corporate and Credit Banking Departments and communicate key risk insights. Support portfolio monitoring, amendments, waivers, and quarterly reporting. Contribute to internal credit and pipeline meetings and maintain strong collaboration with internal teams. Requirements Candidate Profile: Minimum of 2 years of credit or lending experience in banking or related finance sectors. Strong analytical skills and attention to detail in credit documentation and risk evaluation. Excellent communication and presentation abilities. Proactive, collaborative, and ownership -driven mindset. Comfortable working full -time on -site in a fast -paced, high -stakes corporate environment. Core Competencies: Customer Focus & Relationship Building Business Acumen & Financial Insight Analytical Thinking & Problem Solving Communication & Presentation Skills Accountability & Results Orientation Collaboration & Teamwork Adaptability & Innovation Work Environment: This is an in -office role located in a professional corporate setting. Occasional external events may require extended hours or attendance during non -business days. Benefits Avantis Resources is proud to be an Equal Opportunity Employer. We encourage all qualified individuals to apply.

Our client is looking for a Credit Analyst to join their team in Miami. The individual will prepare credit analyses and underwrites commercial, international and consumer transactions as outlined below. RESPONSIBILITIES: Spread financial statements in order to pre-screen the viability of the credit proposal Examines accounting methods and scrutinizes financial statement and accompanying information Prepare credit presentations which include the following: identify and mitigate risk, identify sources of repayment, sensitivity analysis, industry data and project analysis Pull credit reports, OFAC and background checks to evaluate and examine credit references for consistency with information provided Analyzes borrower's business methods of operations, operational environment, financial condition and operating performance to determine borrower's ability to pay on loans Requests specific information and discusses or resolves issues pertaining to borrower's business, financial status and credit risk Confers with Credit Manager in order to resolve problems with application or missing information Performs credit underwriting, assess credit risk, complies with the Bank's Credit Policy and issues recommendations about credit proposals to be reviewed by the Credit Manager Performs credit analyses for annual reviews and credit renewals as required Conducts follow-up of borrowers' financial situations with authorized credit facilities Assures financial covenants of each transaction are carried out as approved Maintains continuous efforts to supervise problem credits Attends to administrative functions of the credit Committee (agenda, minutes and board letters) when needed Signs and authorizes credit/trade references when needed Participates in special projects related to the bank's loan portfolio, such as but not limited to legal lending limit log, Allowances for Loan Losses, etc. Full knowledge and understanding of bank policies, procedures, regulatory and compliance requirements, including but not limited to BSA/AML, CDD, EDD, and others as defined by the Compliance Division and Information Security Division Attend and/or complete all required training as assigned Ensure compliance with all applicable laws, regulations and policies EDUCATION AND/OR EXPERIENCE: Bachelor's degree (B.A) from qualified college or university; and five years related experience and/or training; or equivalent combination of education and experience.

Job DescriptionABOUT BCI Bci provides financial services to individuals and corporations. We focus on being a global leader in innovations and personalized client experience and, with more than 10,500 employees, Bci is recognized as one of the best companies in which to work and develop a career. It is the third largest privately owned bank in Chile and it has more than 300 branch offices throughout Chile and representative offices in other countries. Bci is an Equal Opportunity Employer - All qualified applicants will receive consideration without regard to race, color, religion, gender, national origin, age, disability, veteran status, or any other factor determined to be unlawful under applicable law. JOB SUMMARY The Senior Credit Analyst assists the SVP Credit Risk Manager with all aspects of the underwriting process of multimillion complex syndicated and bilateral credits for large domestic and foreign corporate enterprises operating in several diverse industries and which are usually listed in stock exchanges and rated by credit rating agencies. Credit facilities include working capital lines, trade financing, term loans, acquisition financing and project financing. The Senior Credit Analyst serves as back up to the SVP Credit Risk Manager. DUTIES OF THE POSITION The duties of the position include, but are not limited to, the following: Provide guidance to staff involved in credit analysis in domestic and international offices. Actively participate in credit configurations meetings with lenders providing guidance and feedback on loan structures and analysis, participating in calls to clients as needed. Borrower assessment: its structure, its operations, the industry in which it operates. Assessment of the loan structure being requested. Accurately spread and analyze historical financial statements together with relevant projections to assess borrower's ability to repay. Determine and assess key credit risks and corresponding mitigants. Determine and assess key strengths and weaknesses. Ensure compliance with all relevant regulatory requirements such as Leveraged Lending and Project Financing Complement analysis with research and evaluation of market data using databases from Standard & Poor's, Bloomberg and others for items such as projections consensus, share price, market capitalization, bond prices and yields, and loan liquidity and pricing. Identify and document exceptions to Credit Policy. Recommend the credit risk rating to be assigned to the borrower following established policies and procedures. Timely prepare a sound, objective, independent and comprehensive assessment of the credit request in the established format incorporating the above requirements for presentation to Credit Risk Manager, Internal Management Committee, and International Credit Committee. Prepare and present quarterly analysis of interim financial statements for the borrowers assigned. Monitor compliance with terms and conditions. Monitor industry trends and economic developments to identify potential areas of risk in the loan portfolio. Ensure credit files contain all relevant documentation related to approved credits. Maintain courteous, professional and effective internal and external working relationships. Provide constructive feedback and suggestions in a cooperative professional manner. May assist with the process of internal/external audits, loan reviews and regulatory examinations. Effectively speaking before groups of customers or employees. Work all hours required to fulfill job duties and responsibilities (including evenings, weekends and holidays as needed). Provide coverage for other positions as requested and serve as back up to the SVP Credit Manager. May supervise and train junior credit analysts. Knowledge and Skills: Strong understanding of risk management and credit mitigants Strong analytical and financial modeling ability Good working knowledge of Standard & Poor's and Moody's analytical tools Strong verbal and written communication skills Excellent knowledge of US Regulatory Guidance and relevant laws and regulations Ability to understand, speak, read and write English and Spanish Effectively speaking before groups of customers or employees Assume evolving duties and responsibilities of position Work all hours required to fulfill job duties and responsibilities (including, weekends, evenings and holidays as needed) Travel as required Provide coverage for other positions as requested Ability to carry and lift boxes and objects that may weigh between 10 and 25 pounds. Perform additional duties and responsibilities as assigned by management In the performance of their duties, all BCI - Miami Branch staff members are required to comply with all state and federal regulatory and legal requirements, including the Bank Secrecy Act, the Federal Election Campaign Act of 1979, the Foreign Corrupt Practices Act, and the Bank Bribery Amendments Act. Additionally, all staff members must comply with in the BCI's Personnel Manual and Code of Ethics and other policies of BCI which are either currently in place or which may become effective during the staff member's employment. COMPLIANCE RESPONSIBILITIES In the performance of their duties, all Bci - Miami Branch staff members are required to comply all state and federal regulatory and legal requirements, including the Bank Secrecy Act, the Federal Election Campaign Act of 1979, the Foreign Corrupt Practices Act, and the Bank Bribery Amendments Act. Additionally, all staff members must comply with in the Bci's Personnel Manual and Code of Ethics and other policies of Bci which are either currently in place or which may become effective during the staff member's employment. PRE-HIRE REQUIREMENTS FOR THIS POSITION: COMPUTER: Ability to operate IBM compatible personal computers; fluency with Microsoft Word, Microsoft Excel, Microsoft PowerPoint and EDUCATION: Bachelor's degree in Business Administration, Finance, Accounting or related field EXPERIENCE: Minimum ten years of financial analysis experience in USA financial institutions Minimum 4 years of supervisory experience Minimum 3 years of experience participating in Credit Committees with Recommending duties

We are seeking a new Chief Credit Officer (CCO) to join our team, ideally located in our Fort Lauderdale, FL office. In this role, you will be responsible for overseeing the credit function, ensuring the quality and performance of our loan portfolio, and leading the development and implementation of credit strategies for a wide range of construction and development projects. As the CCO, you will work closely with the executive team, cross-functional business units, manage relationships with credit agencies, and ensure that all credit decisions align with the company's strategic objectives and risk tolerance. Builders Capital is the nation's largest private construction lender, offering innovative financing solutions to a broad spectrum of developers and homebuilders. Our loan products include options for Acquisition, Development, Construction, and Bridge financing, in the form of single-asset loans, portfolio loans, and revolving credit facilities. The Chief Credit Officer will play a key role in ensuring the successful management of these financing products while also overseeing credit risk and managing a diverse portfolio of clients in the construction and real estate industries What You'll Do: Credit Strategy Development: Lead the development and execution of credit policies, guidelines, and strategies to ensure sound credit risk management and profitable loan performance. Risk Assessment: Oversee the analysis and assessment of credit risk for new and existing loan portfolios, including evaluation of borrower financial health, project feasibility, and collateral Credit Approval Process: Manage the credit approval process, ensuring that all loan decisions are made in line with company risk tolerance and strategic goals. Portfolio Management: Monitor and manage the performance of the loan portfolio, working with the operations and risk management teams to ensure timely payment and minimize defaults. Compliance & Regulation: Ensure compliance with regulatory requirements and industry standards, overseeing audits, credit reviews, and internal reporting processes. Credit Analysis Leadership: Lead a team of credit analysts and professionals, providing guidance on complex credit issues and ensuring the quality of credit underwriting. Stakeholder Collaboration: Work closely with the executive team, sales, and operations to align credit policies with business development and operational needs. Vendor & Partner Management: Manage relationships with external vendors, credit agencies, and partners to ensure the best credit practices are applied across the portfolio. Performance Metrics: Utilize data and analytics to assess credit performance and risk, providing regular updates to the executive team on key performance indicators (KPIs) and portfolio health. Risk Mitigation: Develop and implement strategies to mitigate risk in the loan portfolio, identifying trends and making recommendations for adjustments or new credit offerings. Market Insights: Stay informed about the latest industry trends, market conditions, and economic factors that may impact credit risk and lending opportunities. Executive Reporting: Provide regular updates and reports to the executive team on credit portfolio performance, risk management activities, and key credit metrics. Ad Hoc Projects: Take on special projects related to credit analysis, portfolio management, and risk mitigation as needed, ensuring alignment with the company's overall business priorities. Requirements Strategic Thinker: Ability to think big-picture and develop long-term credit strategies that align with company goals and risk tolerance. Leadership: Proven experience in leading and managing credit teams, driving results through effective decision-making and team collaboration. Data-Driven: Strong analytical skills with the ability to interpret financial data, credit reports, and market conditions to inform decisions and drive business outcomes. Risk Management Expertise: Deep knowledge of credit risk management principles, loan structures, and credit underwriting processes in the construction and real estate sectors. Collaborative: A team player who works effectively with internal departments, including sales, operations, and legal, to ensure cohesive risk management strategies. Adaptability: Ability to navigate changes in market conditions, adjust credit strategies, and take proactive steps to mitigate emerging risks. Experience: Proven experience in a senior credit role within the lending or financial services industry, with a successful track record of managing credit portfolios and mitigating risks. Education: A Bachelor's degree in Finance, Business, Economics, or a related field; advanced certifications such as CFA or MBA are a plus. Industry Knowledge: Extensive knowledge of credit trends, economic factors, and lending regulations in the private construction lending industry. Leadership Skills: Strong communication, negotiation, and leadership abilities to effectively manage both internal teams and external vendors. Benefits Why Builders Capital? Competitive Compensation: Builders Capital offers competitive wages and performance-based incentives to reward your expertise. Work Flexibility: Enjoy a flexible work environment in a company that values both professional and personal life. Growth Opportunity: As the nation's largest private construction lender, Builders Capital is an industry leader, offering you endless opportunities for personal and career growth. Innovative Environment: Join a forward-thinking company at the forefront of the construction finance industry with access to cutting-edge technology and resources. National Impact: Be part of a nationwide operation that's shaping the future of construction financing and making a difference for builders, developers, and homeowners across the U.S. At Builders Capital, we believe in taking care of our team. Here's a glimpse of the benefits that come with joining us. Health Insurance: Builders Capital pays 100% of employee medical insurance premiums, offering both PPO and HSA options. Paid Time Off: Enjoy three weeks of PTO annually to recharge and relax. Paid Holidays: Take advantage of 10 paid holidays throughout the year. Health Savings Account (HSA) - We contribute annually into your HSA account (prorated from your hire date) and for those the select our HSA plan. Ready to Shape the Future of Talent at Builders Capital? If you're ready to make an impact in a fast-growing organization that values innovation, teamwork, and excellence, we'd love to hear from you. Apply now or send us a message to learn more about this exciting opportunity! Construction Loan Services II LLC (Builders Capital) and its affiliates are Equal Employment Opportunity (EEO) employers and welcome all qualified applicants. This is a full-time exempt position. The job description contained herein is not intended to be a comprehensive list of the duties and responsibilities of the position, which may change without notice.

As a member of BrightStar Credit Union, you'll join a dynamic company culture and purpose-driven organization that focuses on its employees and members. We offer excellent benefits, advanced opportunities, and exceptional training. Founded in 1946 as a community-based credit union serving educators, we have since expanded to serve 23 counties across the state of Florida. As a Trusted Advisor, BrightStar offers a diverse range of financial services and opportunities. BrightStar Credit Union is committed to fostering a diverse and inclusive work environment where everyone has the chance to succeed and feel a sense of belonging. Our work environment is fun, fast-paced, and service-oriented. What we offer: Medical, Dental, and Vision 401K Plan with Matching Tuition Reimbursement Program Supplemental Benefits Engagement Area Wellness Studio & Gym at our Corporate Headquarters Company Paid Life Insurance Health Savings Account with Company Contributions Essential Functions & Responsibilities The primary responsibility of this position is to positively impact members' financial well-being by delivering the highest standard of service to both internal and external members. The role is accountable for the administration and maintenance of the credit card portfolio, including daily operations, monthly tasks, and annual processes. Additionally, the position will support leadership through project assistance, research, and the identification of opportunities for process and portfolio enhancements. This role will also provide backup support for debit card portfolio maintenance, share draft processing, check 21 operations, and other electronic payment services as assigned. Essential Functions & Responsibilities: Deliver exceptional service to internal and external members in alignment with the organization's Service Standards and Promises. Support the daily operations of the credit card portfolio, including processing new credit card applications, balance transfers, and facilitate debit and credit cards ordering and reissuance. Maintain, review, and reconcile required daily, monthly, and quarterly reports. Maintain current knowledge of card-related regulations, policies, and procedures. Assist in drafting and updating departmental procedures. Provide support to team members in resolving routine and complex issues related to the EFT products. Oversee and audit card orders to ensure accuracy and compliance. Serve as back up for other Card Specialists and the Adjustment Specialist as needed. Perform additional duties and responsibilities as assigned. Performance Measurements: Provide exceptional service to internal and external members, in accordance with the credit union's Service Standards and Promises. Perform assigned responsibilities accurately and in compliance with established departmental standards. Acquire and maintain sufficient knowledge of credit cards, debit cards, and check processing functions to provide effective backup support. Ensure compliance with all Bank Secrecy Act (BSA) and anti-money laundering (AML) policies and procedures. Employees are expected to remain alert to unusual or suspicious activity relevant to their department and to complete all required training, including annual online BSA and OFAC courses as assigned by the Training and/or Compliance Departments. Maintain comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, USA Patriot Act, OFAC, Fair Lending, and the Credit Card Act. Minimum Expectations of Knowledge and Skills: Experience: One year to three years of related experience. Education: (1) A two-year college degree, (2) completion of a specialized certification or licensing, (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program. Interpersonal Skills: Requires frequent personal contact with individuals inside and outside the organization to resolve first-level conflicts, build relationships, and solicit cooperation. Work involves a high degree of confidentiality and discretion, requiring diplomacy and tact. Other Skills: Ability to work independently and exercise good judgement, initiative, and tact in dealing with members, supervisors, and staff. Ability to multitask and to prioritize many daily functions, while working with conflicting deadlines. Must have excellent communication, member service, and human relations skills. Must have basic knowledge of Excel and Word applications. Must have proficiency in data entry, using various applications. Competencies: Communication Decision Making/Judgement Customer Service Job Knowledge Initiative Compliance: Employees must uphold the credit union's compliance with the Bank Secrecy Act and anti-money laundering policies and procedures. Specific functions with B.S.C.U. will consider the awareness of unusual or suspicious activity relevant to the department. In addition to any other assigned training courses, online B.S.A. and O.F.A.C. courses must be completed at least annually, as made available by the Training and Compliance Department. Maintains comprehensive knowledge of the Bank Secrecy Act, Customer Identification Program, U.S.A. Patriot Act, OFAC, Fair Lending, and Credit Card Act. Physical Requirements: The physical demands described here represent those that an employee must meet to perform the essential functions of this job successfully. Reasonable accommodations may enable individuals with disabilities to perform essential functions. While performing the duties of this Job, the employee is regularly required to sit, use hands to finger, handle, or feel, and talk or hear. The employee is frequently required to walk and reach with hands and arms. The employee may occasionally be required to stand, stoop, kneel, or crouch. The employee may occasionally lift and move up to 10 pounds. Specific visual abilities necessary for this job include close vision and the ability to adjust focus. Work Environment: The work environment characteristics described here represent those an employee encounters while performing the essential functions of this job. Reasonable accommodations may enable individuals with disabilities to perform essential functions. BrightStar Credit Union is an Equal Opportunity Employer. BrightStar Credit Union is a Drug-Free Workplace.

The Credit Analyst, Sr position provides high level analytical support in underwriting/analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships. A Senior CA will be expected to provide credit analysis support for assigned lending relationships. The position also provides mentoring and guidance to Client Specialists and other Credit Analysts as it relates to lending guidelines, and underwriting standards. The ideal candidate works well in a team-focused setting and is comfortable balancing competing priorities in a deadline driven environment. **Key Responsibilities Include** + Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I loans with a focus on Medical Practices, service companies and commercial private client ventures. + Work proactively to ensure production is prioritized appropriately and completed in a timely manner. Specific tasks include: financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank's commercial loan system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank's commercial loan policy. + Participate in transaction structuring and relationship strategy meetings with management and credit partners to justify and explain information in the analysis when warranted. + Analyze and prepare complex credit approval documentation in FHB's commercial loan system. The senior analyst is responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship in the commercial loan system. + Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations. Credit Analyst is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines. + Participate in internal credit conversations with PM's, RM's Credit Risk Managers and senior management and in external meetings with clients and prospects. + Participate in or lead special projects and assignments and performs other duties assigned. + The successful candidate will demonstrate consistently high level of ownership of personal performance metrics 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. + Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations **Qualifications Include** + 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 preferred + 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 required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel + Experience with Salesforce or nCino applications is a plus + Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with senior executives, business unit management and staff, state and federal regulators and officials and significant business partners + 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 **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 ******************** (https://urldefense.com/v3/\_\_https:/********************/\_\_;!!Cz2fjcuE!hpq9hPnrucZCPIAVPojVESItIq-FPzhurNdCrQ3JE8Rkx3gMd70nIk6\_kmPxl66\_oJCEsXs0gNunPowMAMHCmBYPOtUxUGI$) . **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 **Follow Us** Facebook (****************************************** X formerly Twitter LinkedIn (*************************************************** Instagram YouTube (********************************************************** Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (**************************** notice from the Department of Labor.

We're seeking an experienced Accounts Receivable & Trust Analyst to join our finance team. In this role, you'll monitor trust account receivables, ensure compliance with legal and regulatory standards, and drive financial accuracy across all client accounts. This position is ideal for a detail-oriented professional with a strong foundation in billing and trust accounting, particularly in a legal or professional services setting. This position will work out of our Coral Gables Office. Core Responsibilities: Prepare, submit, and track client invoices for assigned attorneys Reconcile trust accounts and manage aging receivables Maintain client billing records, fee structures, and matter databases Support attorneys and clients with billing inquiries and reporting follow-up with clients on outstanding invoices Analyze financial trends and recommend process improvements Qualifications: Bachelor's degree in Accounting, Finance, or related field 2+ years of experience in trust accounting, billing, or AR Prior experience in a law firm or professional services setting Strong knowledge of trust account compliance standards Proficiency in Excel and accounting software Excellent communication, problem-solving, and organizational skills What We Offer: Competitive compensation and full benefits Collaborative, team-oriented culture Opportunity to grow in a stable, well-respected legal organization Exposure to complex billing processes and high-level financial operations To apply, submit your resume. If you know someone who fits this role, please feel free to share.

The Senior CRE Credit Analyst is responsible for conducting comprehensive due diligence, financial analysis, and underwriting of complex Commercial Real Estate (CRE) transactions, including acquisitions, construction, refinancing, and stabilized assets. This role involves preparing detailed Credit Approval Memorandums (CAMs), presenting recommendations to the Credit Committee, and ensuring all activities align with internal credit policies, OCC regulations, and strategic objectives. The analyst will work closely with relationship managers to structure credit terms, assess risk, and maintain a high-quality CRE portfolio. Although not a supervisory role, this position may assist in training junior analysts and supporting the Credit Manager and Chief Credit Officer. Key Responsibilities: Analyze borrower creditworthiness, property performance (NOI, DSCR), market trends, and collateral valuations. Prepare and present CAMs with thorough financial modeling, stress testing, and risk mitigants. Conduct annual and periodic loan reviews to ensure ongoing credit compliance. Collaborate with lenders to structure terms and provide recommendations for approvals or declines. Research and verify collateral, financial statements, and industry trends to assess portfolio exposure. Support and mentor junior analysts in financial analysis and underwriting techniques. Assist in refining underwriting standards and credit risk strategies. Qualifications: Bachelor's degree in Finance, Business, or Economics required; advanced degree preferred. 5-7 years of credit analysis experience, with strong CRE underwriting expertise. Proficiency in Excel and financial modeling; strong analytical and written communication skills. Experience across multiple property types (multifamily, office, retail, industrial, hotel). Knowledge of OCC regulations and commercial credit policy requirements.

Job Description Lead examinations of the different loan portfolios of AMTB, ensuring that the credit quality and credit administration of the Bank's portfolio conforms to Bank's Policy & Procedures, and regulatory guidance. Provide useful continual feedback on the effectiveness of the lending process in order to identify any emerging risks. Responsibilities: Conduct and lead credit reviews of mid-to-large size loans or portfolios of high complexity (i.e. Domestic & International Commercial - small businesses, middle market & corporate, Commercial Real Estate, Real Estate Construction, and Financial Institutions Loans) to validate the risk rating, promptly identifying potential credit weaknesses and recommending changes in assigned risk ratings as deemed necessary. Prepare and submit credit risk review reports for each review conducted, ensuring reports accurately reflect findings documented in work papers, including related risks. Ensure conclusions and recommendations are reasonable and well-based and all reports are prepared in an efficient, timely, and concise manner. Plan and supervise field work, performance of procedures in key areas, work paper review, and status meetings. Recommend adjustments to review methods and systems and perform loan review program updates as appropriate. Manage personnel on assignments to balance workload and establish priorities in order to meet commitments and accomplish all major objectives accurately and in a timely manner (i.e. completing fieldwork and review note corrections, ongoing communication, planning, and report preparation). Evaluate assigned Criticized Asset Reports for impaired credits in order to confirm the accuracy of the assigned risk rating, accrual and BEFD status, adequacy of the impairment calculation (ASC-310) and designation. Review the completeness of the credit loan files and collateral documentation and research the customer's overall relationship with the Bank and determine significant technical deficiencies and credit risks. Identify and communicate credit policy exceptions and issues to Loan Officers/Department Managers to address credit/legal deficiencies on a timely basis. Maintain proper documentation, including cross-reference and other techniques required for creating and maintaining an adequate audit trail. Maintain current knowledge of business, organizational, credit risk and technological changes as well as pertinent internal, credit and regulatory policy and procedural requirements to ensure review integrity, process innovation, and service quality. Provide guidance to team members in the following areas: adopting the operating procedures of the department, formats used and criteria applied to the various types of loans, and implement the credit policies and procedures. Back up function for other operational roles performed in the department, as required by manager. Prepare presentations, reports, charts, and special assignments in support of the Credit Review Department and Management for presentation at the corresponding committees. Assist Credit Review Manager in special projects. Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues. Other duties as required. Minimum Education and/or Certifications Requirements: Bachelors degree in Accounting, Finance, Economics is required. Formal credit analysis training required. Minimum Work Experience Requirements: Minimum of 5 years' experience in the Credit Review and/or credit analysis functions is required, including 2-year experience in loan review. Technical and/or Other Essential Knowledge: Previous experience with MS Office Skills, including MS Word II, MS Excel II, Access II and MS PowerPoint II required. Knowledge of regulatory requirements, market area and economic climate, and standards applicable to Domestic & International Commercial Lending (small business, middle market, and corporate), Commercial Real Estate, Real Estate Construction, and Financial Institutions loans. Advance credit risk analysis skills. Basic statistics skills required. Ability to seek and gather information from a variety of sources. Strong analytical ability in order to render a final and objective determination on the credit evaluation. Maintain an objective and independent perspective throughout

Job Description Senior Credit Analyst -Palm Beach, FL FinTrust Connect has partnered with a community-focused banking institution to identify a skilled Senior Credit Analyst. This is an opportunity to join a seasoned credit team, working closely with Relationship and Portfolio Managers to evaluate and support complex commercial lending activities. The ideal candidate brings a strong foundation in credit underwriting with a focus on C&I loans. Why this opportunity? Culture: Team-oriented, analytical, and collaborative environment with strong mentoring culture Workplace: On-site in Palm Beach, FL Function: Supports credit underwriting, portfolio management, and financial analysis for commercial clients, especially in medical and service sectors Requirements: 5+ years in credit analysis, loan review, or commercial banking Bachelor's degree in Accounting, Finance, or Business preferred Proficiency in Excel; familiarity with Salesforce or nCino is a plus Experience underwriting complex C&I loans, including for medical practices or service companies Strong understanding of bank operations and commercial loan structuring Description: Underwrite and analyze credit for commercial lending relationships with a focus on medical practices, service firms, and private client ventures Spread and interpret financial statements, perform covenant monitoring, and prepare detailed credit approval documentation Participate in structuring discussions and strategy meetings with Relationship Managers and Credit partners Track portfolio performance, manage credit risk, and ensure compliance with lending policies Collaborate with internal stakeholders and participate in client meetings Mentor junior analysts and contribute to special projects as needed

Our client is looking for a Commercial Credit Analyst with a business developer profile to join their team in Florida. The individual will focus on prepare credit analyses Underwrite commercial, international, and consumer transactions. The professional main responsibilities will be: Responsibilities: - Spread financial statements in order to pre-screen the viability of the credit proposal. - Examines accounting methods and scrutinizes financial statements and accompanying information. - Prepare credit presentations which include the following: identify and mitigate risk, identify sources of repayment, sensitivity analysis, industry data, and project analysis. - Pull credit reports, OFAC, and background checks to evaluate and examine credit references for consistency with the information provided. Requirements: - Bachelor's in Economy, Finance, BA or related fields - 2-3 years of experience in a similar role - Experience in banking credit analysis

The Credit Analyst, Sr position provides high level analytical support in underwriting/analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships. A Senior CA will be expected to provide credit analysis support for assigned lending relationships. The position also provides mentoring and guidance to Client Specialists and other Credit Analysts as it relates to lending guidelines, and underwriting standards. The ideal candidate works well in a team-focused setting and is comfortable balancing competing priorities in a deadline driven environment. **Key Responsibilities Include** + Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I loans with a focus on Medical Practices, service companies and commercial private client ventures. + Work proactively to ensure production is prioritized appropriately and completed in a timely manner. Specific tasks include: financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank's commercial loan system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank's commercial loan policy. + Participate in transaction structuring and relationship strategy meetings with management and credit partners to justify and explain information in the analysis when warranted. + Analyze and prepare complex credit approval documentation in FHB's commercial loan system. The senior analyst is responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship in the commercial loan system. + Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations. Credit Analyst is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines. + Participate in internal credit conversations with PM's, RM's Credit Risk Managers and senior management and in external meetings with clients and prospects. + Participate in or lead special projects and assignments and performs other duties assigned. + The successful candidate will demonstrate consistently high level of ownership of personal performance metrics 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. + Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations **Qualifications Include** + 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 preferred + 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 required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel + Experience with Salesforce or nCino applications is a plus + Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with senior executives, business unit management and staff, state and federal regulators and officials and significant business partners + 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 **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 ******************** (https://urldefense.com/v3/\_\_https:/********************/\_\_;!!Cz2fjcuE!hpq9hPnrucZCPIAVPojVESItIq-FPzhurNdCrQ3JE8Rkx3gMd70nIk6\_kmPxl66\_oJCEsXs0gNunPowMAMHCmBYPOtUxUGI$) . **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 **Follow Us** Facebook (****************************************** X formerly Twitter LinkedIn (*************************************************** Instagram YouTube (********************************************************** Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (**************************** notice from the Department of Labor.

This position is embedded within the Syndications team and provides specialized credit expertise to support the origination, distribution, and management of syndicated loan transactions in the U.S. The role is responsible for evaluating primary and secondary loan opportunities, preparing comprehensive credit assessments, and ensuring transactions align with the organization's risk appetite and policies. This position requires strong analytical capabilities, familiarity with the syndicated loan market (preferred), and the ability to collaborate closely with internal stakeholders and Credit Department Managers. While the role has no direct supervisory duties, it supports the training and oversight of junior analysts. The individual must be fully proficient in all aspects of credit analysis, exercising sound independent judgment and advanced financial evaluation skills. All employees are responsible for complying with applicable regulations, including OFAC requirements. DUTIES & RESPONSIBILITIES Prepare detailed credit analysis reports for lending officers and Credit Committees, recommending approval or denial of credit facilities for institutional and corporate borrowers. Responsibilities include: Assigning appropriate loan codes. Verifying audit levels and financial reporting standards based on internal policy. Spreading financial statements and tax returns into the appropriate software. Analyzing financial ratios and trends. Reviewing peer comparisons and drawing meaningful conclusions. Running and analyzing third-party reports (e.g., credit bureau, D&B, rating agencies). Conducting background checks using OFAC, LexisNexis, public databases, and online searches. Requesting and reviewing credit references from other lenders. Confirming collateral positions through county and state public records. Preparing written credit analyses that present factual findings and well-reasoned opinions. Independently conduct industry research and prepare reports assessing portfolio exposure, sector risk, and market conditions. Ensure proposed and existing loans comply with internal credit policy guidelines. Provide assistance to Credit Analysts, Credit Managers, Credit Portfolio Managers, and senior credit leadership as needed. Participate in and support special projects assigned by Credit Managers or the Chief Credit Officer. Maintain ongoing communication with Lending Officers and Credit Department Managers, supporting new loan requests and renewals. Assist in training junior analysts, including instruction on financial spreading, ratio analysis, cash flow evaluation, peer comparisons, and qualitative risk assessment. Provide analytical and administrative support to Credit Managers, Portfolio Managers, and the Chief Credit Officer. DESIRABLE EXPERIENCE & SKILLS Bachelor's degree required; majors in business, finance, economics, or related fields preferred. Advanced degrees are a plus. Minimum 3-4 years of prior credit training and experience, ideally within syndicated lending, corporate banking, or commercial credit. Strong proficiency in Microsoft Word and Excel; high accuracy and attention to detail required. Strong analytical skills, with the ability to conduct research, interpret financial data, and communicate findings clearly. Excellent written and verbal communication abilities. Strong time-management and organizational skills, with the ability to manage multiple transactions simultaneously.

The Credit Analyst, Sr position provides high level analytical support in underwriting/analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships. A Senior CA will be expected to provide credit analysis support for assigned lending relationships. The position also provides mentoring and guidance to Client Specialists and other Credit Analysts as it relates to lending guidelines, and underwriting standards. The ideal candidate works well in a team-focused setting and is comfortable balancing competing priorities in a deadline driven environment. **Key Responsibilities Include** + Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I loans with a focus on Medical Practices, service companies and commercial private client ventures. + Work proactively to ensure production is prioritized appropriately and completed in a timely manner. Specific tasks include: financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank's commercial loan system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank's commercial loan policy. + Participate in transaction structuring and relationship strategy meetings with management and credit partners to justify and explain information in the analysis when warranted. + Analyze and prepare complex credit approval documentation in FHB's commercial loan system. The senior analyst is responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship in the commercial loan system. + Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations. Credit Analyst is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines. + Participate in internal credit conversations with PM's, RM's Credit Risk Managers and senior management and in external meetings with clients and prospects. + Participate in or lead special projects and assignments and performs other duties assigned. + The successful candidate will demonstrate consistently high level of ownership of personal performance metrics 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. + Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations **Qualifications Include** + 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 preferred + 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 required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel + Experience with Salesforce or nCino applications is a plus + Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with senior executives, business unit management and staff, state and federal regulators and officials and significant business partners + 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 **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 ******************** (https://urldefense.com/v3/\_\_https:/********************/\_\_;!!Cz2fjcuE!hpq9hPnrucZCPIAVPojVESItIq-FPzhurNdCrQ3JE8Rkx3gMd70nIk6\_kmPxl66\_oJCEsXs0gNunPowMAMHCmBYPOtUxUGI$) . **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 **Follow Us** Facebook (****************************************** X formerly Twitter LinkedIn (*************************************************** Instagram YouTube (********************************************************** Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (**************************** notice from the Department of Labor.