Credit Analyst jobs in Kendale Lakes, FL

Our bank client is seeking to fill a Credit Analyst role in the Ft. Lauderdale, FL area. The successful candidate will be responsible for preparing in-house spreadsheets designed to quantify borrowers' personal, global, and real estate debt service abilities. The position includes a generous salary of up to $85K and an excellent benefits package. (This is not a remote position). Credit Analyst responsibilities include: Analyzing credit data to estimate the degree of risk involved in extending credit or lending money to firms or individuals. Preparing financial statement spreads using Moody's financial statement analysis software. Preparing narrative analysis of findings and recommendations for lenders. Reviewing of outgoing analysis prepared by the CA I position. May assist, coordinate, and attend loan committee. Other duties assigned. Requirements Who Are You? You're someone who wants to influence your own development. You're looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future. You also bring the following skills and experience: Equivalent to a four-year college degree, or equivalent combination of education and experience. Five or more years of related experience and/or training. 12 to 18 months of related management experience. Ability to write reports, business correspondence, and policy/procedure manuals. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Benefits The position includes a generous salary of up to $85K and an excellent benefits package. (This is not a remote position).

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.

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.

Job Description Senior Commercial Credit Analyst -Coral Gables, FL FinTrust Connect has partnered with a leading regional financial services company that is rapidly expanding its credit operations and is looking to hire a Commercial Credit Analyst in Miami, FL. This position is responsible for more complex underwriting/analyzing commercial loans and assisting Portfolio Managers and Relationship Managers in managing customers relationships. Why this opportunity? Culture: This regional bank 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. This is an organization with a market-centric approach that enables you to remain nimble and in tune with the local economy. Workplace (Remote, On-site, Hybrid): On-site in Coral Gables, FL Function: Financial statement spreading, renewals and annual reviews, prepare credit analysis of CRE and C&I loans Requirements: Minimum of 3 years of related experience in the Financial Services, Banking Industry, Credit Analysis, Loan Review, Underwriting or similar background preferred. Bachelor's degree in Accounting, Finance or Business or equivalent in specific work experience Minimum of 3 years of experience as a Credit Analyst I or equivalent role preferred. Minimum of 3 years of experience in general bank operations and the lending process Strong ability to understand and provide commentary on Company Financial performance; review and provide analysis on leases, appraisals, budgets, projections, guarantor documents, tax returns, cash flows, financial ratios, trends and debt repayment capacity. Description: Prepare credit analysis including review/analysis of real estate and C&I loansspecific market information and financial statements for commercial borrowers, guarantors and prospects. Timely completion of financial statement spreading, updating and creating new requests, renewals and annual reviews, tracking and completing covenant monitoring, conducting industry research and having a strong understanding of loan policy. Analyze and prepare complex credit approval documentation such as loan terms, collateral, entering covenants, determining bank's credit exposure, and loan grade inputs. Work closely with Portfolio Managers to monitor and manage assigned commercial loan portfolios. Participate in internal credit conversations with senior credit management and in external meetings with clients and prospects.

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. JOB SUMMARY 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. 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 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.

KEY RESPONSIBILITIES: Analyze property operating performance through review of operating statements, rent rolls and leases Evaluate and abstract loan documents Communicate effectively with internal and external parties including borrowers, legal counsel, property managers, other lenders, servicers, and other Rialto departments Negotiate complex transactions Perform research on various real estate markets throughout the U.S. and communicate with brokers in these markets Comprehensive analysis and understanding of loan collateral dynamics, value determination, and resolution alternatives Strong organizational skills with the ability to manage multiple priorities Prepare valuation and cash flow analysis on projected loan resolutions based on Borrower proposals including DCF / IRR / NPV scenarios for various strategies Underwrite potential new investment opportunities in CMBS, equity recapitalizations, asset/portfolio acquisitions, and mezzanine/preferred equity Prepare weekly, monthly, and quarterly reports for the executive team and outside parties. Underwrite performing loan requests for reserve disbursements, lease approvals, loan extensions and other requests as needed and ensure all requests are handled in compliance with the terms of the related Loan Documents SPECIFICATIONS: Bachelor's Degree required in Accounting, Finance, Business or Related Field preferred 1-2 years of prior Real Estate experience (minimum of 2 years preferred), including underwriting and due diligence Proficiency with Microsoft Office Strong work ethic and attention to detail Ability to manage time effectively while handling a variety of projects Prior credit/real estate underwriting experience Broad commercial real estate experience in multiple property types is a plus The ideal candidate would have a strong understanding of loan documents or demonstrate the aptitude to quickly become familiar with loan documents Strong written and verbal communication skills While performing the duties of this job, the Associate is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop. The Associate must occasionally lift and/or move up to 25 pounds. Evening or weekend work may be necessary to meet deadlines. This description outlines the basic tasks and requirements for the position noted. It is not a comprehensive listing of all job duties. Rialto Capital is committed to the principles of Equal Employment Opportunity. Our policy is to provide equal employment opportunity to all applicants and Associates without regard to race, color, religion, sex, pregnancy, sexual orientation, gender identity or expression, national origin, age (40+), disability, veteran status, genetic information (including family medical history), or any other legally protected status. Our company uses E-Verify to confirm the employment eligibility of all newly hired employees. To learn more about E-Verify, including your rights and responsibilities please visit: e-verify.gov.

Underwrite and process Consumer and Indirect Auto Loan applications through thorough analysis of all qualifying criteria including; income, credit, assets and collateral, while adhering to regulatory guidelines and internal policies and procedures. Essential Duties and Responsibilities: Review and analyze loan applications and supporting documentation for underwriting decision. Work with internal team members to process loan application requests while providing feedback. Review application and pipeline requests for accuracy while adhering to service timelines and standards. Assist with promotional and sales initiatives for portfolio growth. Assist member/applicant requests to fulfill analysis and compliance of all processes and documentation. Work with team members and applicants for cross sell opportunities. Communicate with external vendors and referral sources to process application requests. Assist membership with resolutions to inquiries, loan exceptions or disputes. Assist management with reporting and tracking of portfolio, as required. Process and verify employment and all required documentation, as required. Assist management with project implementation, as required. Qualifications: Minimum of two year's experience in credit union or financial institution lending environment. Knowledge of Consumer and Indirect loan programs including; auto lending, credit cards, personal loans and recreation vehicles. Experience and training in underwriting practices including income and credit analysis. Ability to decipher and interpret financial statements, tax returns and credit documentation. Must be able to work flexible schedule, extended hours and Saturdays as required. Must demonstrate time management skills, highly detailed and organized. Excellent oral and written communication skills required. Must possess efficiencies in Excel, Word and lending system processes. Working knowledge of regulatory guidelines pertaining to lending and Fair Credit practices. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.

GENERAL DESCRIPTION OF POSITION Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals. ESSENTIAL DUTIES AND RESPONSIBILITIES Prepare financial statement spreads using the Moody's financial statement analysis software. This duty is performed about 30% of the time. Prepare in-house spreadsheets designed to quantify borrower's personal, global and real estate debt service abilities. This duty is performed about 30% of the time. Prepare narrative analysis of findings and recommendations for lenders. This duty is performed about 25% of the time. May assist, coordinate and attend loan committee at respective banks. This duty is performed about 5% of the time. Requires review of outgoing analysis prepared by the CA I and CA II positions. This duty is performed about 10% of the time. Completes required BSA/AML training and other compliance training as assigned. This duty is performed annually. The ability to work in a constant state of alertness and in a safe manner. Perform any other related duties as required or assigned. Requirements EDUCATION AND EXPERIENCE Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 8 years related experience and/or training, and 2 years related management experience, or equivalent combination of education and experience. COMMUNICATION SKILLS Ability to write reports, business correspondence, and policy/procedure manuals; Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. MATHEMATICAL SKILLS Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations. CRITICAL THINKING SKILLS Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats. REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS Not indicated. PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS Not indicated. SOFTWARE SKILLS REQUIRED Advanced: 10-Key, Accounting, Spreadsheet, Word Processing/Typing RESPONSIBILITY FOR WORK OF OTHERS Responsibility for work of others: Not indicated. WORKING CONDITIONS Normal working conditions as found within an office setting, wherein there is controlled temperature and a low noise level, plus a minimum of distractions. ENVIRONMENTAL CONDITIONS The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually quiet. PHYSICAL ACTIVITIES The following physical activities 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 and expectations. Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks. While performing the functions of this job, the employee is continuously required to sit; frequently required to talk or hear; and occasionally required to walk, use hands to finger, handle, or feel. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. ADDITIONAL INFORMATION Should be analytically minded and possess good judgment. May act as a team leader. Proficient in Microsoft Word and Excel. Qualifications Education Required Bachelors or better.

finally is one of America's fastest-growing and most exciting fintech companies, focused on being the premier financial automation platform for SMBs. Our innovative product suite integrates Credit & Banking, Billing & Invoicing, Bookkeeping, and Taxes, all harmonized through cutting-edge artificial intelligence to aid Small to Medium-sized businesses. Finally aims to declutter financial operations, providing businesses with a seamless financial journey, allowing them to focus on what truly matters - their growth. We're headquartered in sunny South Florida and we raised $200 million dollars just in 2024 to bolster our growth, to innovate, and to continue to serve our customers. Our company has more than 250 individuals today across 3 offices. We're proud to serve as the official corporate card and spend management platform for iconic sports franchises like the Florida Panthers, Miami Heat, and Chicago Bulls. As a Senior Credit Analyst at finally, you will take the lead on underwriting our small to medium sized business charge card customers to assess their creditworthiness to be given a finally corporate charge card. You will have the opportunity to shape the quality of the company's lending portfolio in line with the company's overall strategy. You will get the chance to work with a variety of teams across the lending side of the business including Sales, Tech and FinOps. Responsibilities: Credit analysis: Take the lead on performing thorough, relevant and insightful credit analysis on finally's charge card customers using a variety of credit analysis tools and financial data. The outcome of this analysis will decide whether a customer is approved for finally's corporate charge card Assignment of limits: Based on the credit analysis performed, you will assign appropriate credit limits to approved customers in line with finally's credit policy. These limits represent the financial risk that finally is exposed to so a high degree of care and skill is required while assigning these limits. Credit Policy refresh: Provide input on an ongoing basis into updating finally's credit policy to reflect market dynamics and macro scenarios. This requires the ability to distill credit analysis skills and wider market knowledge into a blueprint for doing business. Management and training of junior analysts: as part of your day-to-day responsibilities, you will also train and manage junior analysts to perform the essential tasks that are a part of finally's underwriting process Qualifications/prior experience/personal profile: Between 3-5 years of experience in underwriting and analyzing small to medium sized business customers from a credit/lending perspective either at a lending fintech, commercial bank, private credit fund or credit card company Experience in assigning and managing larger credit limit customers would be ideal Prior credit/charge card experience is a definite plus Strong excel skills and some familiarity with credit analysis and fraud identity tools such as Heron, Plaid, Lexis Nexis, Inscribe, Persona etc MBA from a reputable institution and prior fintech experience is beneficial Entrepreneurial and ‘can do' attitude Ability to work under pressure in a fast paced start-up environment This is an office based role out of finally's Boca Raton office This is an incredible chance for a mid-level credit professional to join finally at an exciting point in its journey! Benefits Health insurance Dental insurance Employee stock purchase plan Paid time off Paid training Vision insurance

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.

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. + 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. 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Park Avenue Group is pleased to partner with a well-respected and profitable large mid-size community bank in South Florida in their search for a Current Allowance & Market Risk Manager. The selected candidate will be responsible for managing the calculation of allowances for credit loss estimation and loss forecast processes, with a focus on estimating credit loss allowances. The role involves developing and maintaining reports to monitor loan risk at both the individual loan and portfolio levels including: Supporting Asset Liability team with interest rate risk processing, including Capital Stress Testing program, board reporting, and ad hoc analysis. Presenting calculated balances & assumptions to the CECL committee for approval. Maintaining ongoing monitoring & validation of the CECL credit models. Running and executing credit models to produce estimates and behaviors of credit risk (PD & LGD) for ACL estimation, business plan forecasting, and other needs. Leading the Bank's FHLB and FRB loan pledging program, determining eligibility based on credit underwriting documentation. Working closely with internal and external auditors to assist in understanding ACL methodology, credit model assumptions, quarterly results, data ETL process, and ASC 326-20 (CECL application). Overseeing all aspects of the Allowance for Loan & Lease Losses & other credit loss computations & reporting. Managing the monthly & quarterly analysis of ACL & other credit loss methodologies & associated reporting. Developing and owning model governance and model monitoring to ensure fit for purpose. Determining the impact of individually impaired loans on the collective Allowance for Credit Losses. Requirements: Bachelor's degree in Business, Finance or Accounting. At least 5-7 years of financial services, preferably in corporate finance, accounting, audit or credit risk division of a medium to large institution (preferably in banking). Experience with reserve principles, including ASC326, as well as regulatory guidance pertaining to reserves & model governance and a thorough understanding of regulatory requirements for risks and controls including risk governance, risk measurement, monitoring & reporting. Familiar with CECL accounting standards and requirements. Certified Public Accounting experience and maintaining an active license is preferred. Demonstrated analytical and statistical skills to evaluate, prioritize and categorize data in various formats for reports. Proficient in organizing and prioritizing work to meet deadlines. Ability to independently visit clients in the entire banking area as needed, sometimes with little or no notice. External client interaction (meetings, networking etc.) sales activities, accomplishment of goals, accuracy and regulatory compliance are critical functions of this job. Effective oral and written communication skills. Skills in database management and record keeping. Able to exhibit a high level of confidentiality. Knowledge of Moody's Impairment Studio is a plus. The bank is offering relocation assistance/package at this time. The candidate must be willing to relocate to the main office in Miami, Florida.

ABOUT 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. JOB SUMMARY 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. 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

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

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.

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. 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 ********************* 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

The Commercial Credit Analyst prepares credit analyses and underwrites commercial, international and consumer transactions Main Functions and 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.

Builders Capital is looking for an experienced Credit Officer to join our Commitment+ team in Fort Lauderdale, FL! As a Credit Officer you will work closely with Principles, Loan Officers, and Loan Processors to analyze and underwrite loan originations of residential construction of single family, multifamily and small apartments complexes. At Builders Capital, we are on a mission to reshape the future of construction financing. As the nation's largest private construction lender, we provide innovative, tailored financing solutions to developers, builders, and investors. Our goal is simple: to be our clients' most valued partner by offering aggressive rates, flexible loan terms, and unmatched service. We're setting ourselves apart by being creative in our financing solutions, leveraging cutting-edge technology, and maintaining an agile, in-house servicing team that ensures quick funding and a smooth process. Builders Capital is leading the charge in addressing the nationwide housing shortage, with approximately 5 million homes needed to meet demand. We're here to help build those homes, one project at a time. What You'll Do Analyze income property loan requests, including collateral cash flow analysis and valuation, borrower financial statements and tax returns, and market analysis. Assist in complex financial analysis, accurate and timely market analysis, borrower's financial and credit documentation. Analyze information such as property profiles, demographics, maps, and inspections. Perform underwriting analysis of credit profile, liquidity and project. Ensure each loan is accurate and complete according to investor requirements. Submit loans to Loan Committee via Loan Origination System, and/or present in live loan committee. Act as the point person in loan committee. Make underwriting decisions on the loans. Manage portfolio to keep default rates within allowable ranges per investor and company expectations. Clear closing conditions and communicate with Escrow, Loan Originators and Transaction Coordinators to provide status updates and closing time frames. Coordinate loan closings/draw closing documents, review settlement statements, and order/balance funding wires. Review loan for red flags, requesting supporting documentation as needed. Stay up to date on industry trends, market changes and company policies. Participate in departmental policy and procedure revision and updates, as necessary. Assist administration team with special projects, other duties as assigned. Requirements Bachelor's degree in Finance, Commercial Real Estate, or related field. Experience working with top hundred builders nationwide required. Minimum 4 years of experience in commercial mortgage experience: underwriting, financial statement, tax return analysis, risk assessment and analysis, and processing of loans. Understanding of income property appraisal and cash flow methodology. An effective communicator (written and verbal) - clear, concise, concrete, correct, coherent, complete, and courteous. A self-starter with a strong attention to detail and good organizational skills. Able to meet deadlines and can work through any problems that might arise. A critical thinker that can work independently or as a team. Willing to assume duties and projects to further the goals of the company. Proficient in Microsoft Office products including Excel, Word, and Outlook. Pivot Tables and VLOOKUP's in Excel are a plus. Benefits At Builders Capital, we believe in taking care of our team. Here's a sneak peek at the benefits that come with joining us: Innovative Environment: Join a forward-thinking company at the forefront of the construction finance industry with access to cutting-edge technology and resources. Work Flexibility: Enjoy a flexible work environment where you can balance team leadership with your personal life. 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. Health Insurance - We've got you covered! Builders Capital pays 100% of your medical insurance premiums to keep you healthy and stress-free, offering a PPO and HSA plans. Health Savings Account (HSA) - We contribute annually into your HSA account (prorated from your hire date) and for those the select our HSA plan. Competitive Compensation - We offer competitive wages that reward your expertise and hard work. Paid Time Off - Take time to recharge with 3 weeks of paid time off each year. Paid Holidays - Enjoy 10 paid holidays throughout the year so you can spend quality time with family, friends, or doing whatever you love. We're here to support you both professionally and personally-because when you thrive, we all thrive. Builders Capital is an Equal Opportunity Employers (EEO) 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.

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. * 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 ********************* 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