Credit analyst jobs in Memphis, TN - 26 jobs

The Chief Credit Officer exercises overall management of the Bank's loan portfolio, loan approvals, loan concentrations and risk management. Provides support and direction to lending staff and oversees loan policies and procedures to ensure the overall quality of the bank's lending portfolio. Supervises collection of problem loans and strategies to minimize charge offs. Recommends and assigns credit approval authorities in conformity with Board approved policies and maintains ongoing control over the credit risk rating system. The Chief Credit Officer is the primary driver of the credit culture and ensures a high quality, low risk loan portfolio that reflects the risk appetite as outlined by the Board. Takes a key role in the development of new credit products. Works closely with the loan production groups to ensure that credit decisions are made promptly, and credit policy is clearly communicated to facilitate good customer service. Main Job Tasks & Responsibilities: Act as Chairman of the Loan Committee Exercise oversight of the bank's risk management to control risk in the Bank's credit portfolio, maintain quality control over all parts of the risk management process, and minimize credit losses. Monitor the credit portfolio through periodic reviews of all underlying data. Chair the Loan Classification Committee which exercises oversight for adequacy of risk ratings, accrual status, regulatory compliance, loan policy conformance, and recovery of problem loans and the disposition of foreclosed assets. Review and analyze credits as needed to conduct assigned credit approval authority; Determine if all credits submitted for approval meet sound underwriting standards and do not pose greater-than-acceptable risk. Establish and analyze financial metrics of the Bank's loan portfolio for adherence to regulatory guidelines and analyze credit portfolios to pinpoint potential areas of weakness or concentrations that produce more than acceptable risk. Assist the management team in establishing financial metrics for the Bank's loan portfolio for revenue enhancement, cost controls, loan pricing to guide bank management in improving earnings and in making strategic business decisions. Oversee the end-to-end credit risk management oversight for the Evolve Bank & Trust's third-party relationships. Responsible for creating policies, standards, processes, metrics, tools, and analytics to inform management and the board on third party organizations current and emerging credit risks. Provide leadership and management to Loan Operation employees to ensure satisfactory performance, adequate Provide direction and outline expectations for Relationship Managers, Loan Operations and ultimately all lending staff Responsible for the development and implementation of the CECL model and provide quarterly analysis of the adequacy of the loan loss allowance Primary contact to work with regulators in conducting their safety and soundness examines and to establish a strong level of creditability with all regulators, external auditors and third-party loan reviews Lead, motivate, train, direct and supervise direct reports Perform periodic and annual reviews of all direct reports Pursue pertinent professional development opportunities Prepare various management, regulatory and Board of Directors reports regarding loan portfolio performance and trends. Approve and coordinate changes and improvements in automated financial and management information systems relating to the Bank's loan portfolio. Assist in building annual organization goals as well as individual performance plans for direct reports Approve and coordinate changes and improvements in automated financial and management information systems relating to the Bank's loan portfolio. Education & Experience: Bachelor's degree from a four-year institution in finance or accounting Minimum 10 years of experience in leadership, credit and risk management and credit approval of both consumer and commercial lending Computer skills including Windows-based software, word processing and spreadsheet applications and bank software. Key Competencies: Capable Leader Knowledge of bank accounting, regulations, policies and procedures as it applies to the lending function Expertise in formulating and administering lending policies and procedures Ability to establish and communicate the organizational Credit Risk Appetite Thorough knowledge of business cash flow, collateral valuation, appraisal procedures, and documentation Effective oral and written communication skills. Proven management and analytical skills. Position location: Memphis, TN

Requirements QUALIFICATION REQUIREMENTS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. · Demonstrated experience in process improvement as well as developing and writing policies and procedures. · Demonstrated experience in credit report analysis with excellent written and verbal communication skills. · Strong interpersonal skills with proven dispute resolution ability. · Knowledge of accounting practices and accounts receivable reconciliation. · Advanced computer skills including MS Word, Excel, general ERP systems and the use of outside data sources to gather required information for analysis and reporting. EDUCATION and/or EXPERIENCE: · Bachelor's degree, with 5+ years of credit experience with a medium sized manufacturing/distribution business. LANGUAGE SKILLS: Ability to read, analyze and interpret general business reading and/or training materials as well as federal/state regulations. Ability to write reports, business correspondence, and procedures as needed. Ability to effectively present information and respond to questions from groups of managers, clients, customers and/or the general public. MATHEMATICAL SKILLS: Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages and proportions to practical situations REASONING ABILITY: Ability to define problems, collect data, establish facts, and draw valid conclusions; ability to interpret an instructions in mathematical or diagram form and deal with several abstract and concrete variables OTHER SKILLS and ABILITIES: Must be PC literate (MS Office) and have strong data entry, organizational and interpersonal skills PHYSICAL DEMANDS: While performing the duties of this job, the employee has to occasionally stand, stoop, kneel, crouch, or crawl; the employee is frequently required to walk; the employee is required to regularly sit, use hands to finger, handle, or feel, reach with hands and arms, talk or hear.

Salary Range: $49,001.94 - $73,985.60 Works under the direction of an assigned supervisor in Housing and Community Development (HCD) to process, review, and approve loan applications and/or contracts for various programs. Underwrites loan applications per guidelines. Calculates loan repayment with interest, escrow and recommended loan approval. Accepts and reviews bid documents to prepare formal application and submit for approval. Determines loan amount and computes interest and payments as required. Interprets government regulations and ensure applications comply with funding agency guidelines. May classify collectible and uncollectible loans through federal, state, and local sources. Makes recommendations to management regarding uncollectible loans. Assists loan applicants during various stages of the process and through the one-year warranty period. Conducts detailed analysis via computer of applicant's financial statements to determine feasibility of granting the loan. Conducts pre-qualification interviews with applicant to determine if basic qualifications are met. Performs credit checks on applicant by contacting credit bureau as needed. Communicates government regulations and program guidelines to applicant. Contacts all applicants to set up repayment plans if necessary. Reviews and monitors payments and expenditures for loan purposes. Reviews and analyzes accounts to determine if sufficient funds are available to pay premiums and taxes if applicable. Collects funds for various types of payment accounts. Bachelor's degree in Business or Public Administration, or related field and three (3) years' experience in mortgage or banking processing loans; or any combination of experience or training which enables one to perform the essential job functions. Working experience with Microsoft Office products preferred. OTHER FUNCTIONS: Performs additional functions (essential or otherwise) which may be assigned. TYPICAL PHYSICAL DEMANDS: Primarily desk work. Requires the ability to operate general office equipment such as a personal computer. Must be able to communicate both verbally and in writing. Requires the ability to read, interpret and apply federal, state and local regulations. TYPICAL WORKING CONDITIONS: Work is performed in an office environment. Work involves contact with staff and the public.

The Credit Analyst works with our Commercial Lenders and Business Bankers to serve the needs of our commercial clients. This individual will work with our Commercial Lenders to manage existing commercial clients and develop new relationships. A key part of the Commercial Lending Team, the credit analyst helps usher loan requests through the approval process. This position must adhere to all Bank policies, procedures and compliance regulations. DUTIES Analyzing financial reports, business plans, projections, and industry reports to understand customer/prospect credit-worthiness. Preparing written narratives describing borrowers' current financial condition and future outlook. Assisting lenders with daily credit monitoring tasks and monthly credit review. Reviewing covenant compliance for all commercial borrowers. Completing annual reviews on borrowing customers and reviewing ACH/ETL limits. Reviewing credit proposals for loan committee for accuracy and for continuing education. Participating in credit training opportunities. Accompanying lenders on customer/prospect visits to improve credit analysis understanding and to learn business development techniques. Qualifications Bachelor's degree in Business, Business Administration, Finance or Accounting is required. At least one year of work experience in banking, financial analysis, or a related field is required. Working understanding of accounting concepts and how they apply to businesses is required. Preferred Qualifications 1-3 years of financial analysis or banking is preferred. Confidence and competency in oral and written presentation is preferred. A quick learner with the ability to self-direct on important tasks with little to no direction is preferred. Excellent computer skills including, MS Word, Excel, and PowerPoint. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, gender identity, gender stereo typing, and age. Independent Bank is an EO/AA Employer M/F/Vets/Disabled

Job Description: Reviews loans according to guidelines for documentation completeness and accuracy. Ensure files meet compliance, applicable law, regulatory guidelines, and internal policies and procedures. Perform system review to ensure booked loans are accurately input into loan systems. Identifies errors and returns for repair. Perform quality control of document images and indexing. Perform reviews of individual loans and borrowers to ascertain credit quality and if loans are made in accordance with bank policies and guidelines as well as applicable banking laws and regulations. Including quarterly targeted reviews in accordance with loan policy / asset quality / loan review section and targeted product reviews / analysis. Recommend loan downgrades and upgrades to the Chief Credit Officer for approval. Process paid out files, monitor receipt of recorded documents, monitor expiration of title opinions, process force place insurance, and other various documentation. Minimum qualifications: ● A two year college degree. ● Three years to five years of similar or related experience. ● Must be proficient in the usage of Windows 10/Office 365. Personal Characteristics: ● Exceptional communication and written skills. ● Ability to maintain high degree of confidentiality. ● Ability to meet deadlines.

Location: On site in Memphis, TN, Atlanta, GA, Nashville, TN, Charlotte, NC, New Orleans, LA, or Dallas, TX The Credit Analyst will work directly with the deal team in analyzing, underwriting and monitoring all credit facilities within their portfolio. As a Credit Analyst, the individual will learn the basics of deal making and loan structures while being exposed to other departments within the Bank. The Credit Analyst is an excellent first position in banking that paves the way to numerous other opportunities within First Horizon including sales, credit, relationship management, loan review or other similar positions. Work with the Portfolio Manager (PM) and Relationship Manager (RM) in completing at least 80% of the credit analysis. The credit analysis is Commercial Banking's primary document for analyzing and underwriting all new and outstanding loans. The credit analyst performs an in depth analysis on the borrower's ability to repay focusing on the company and owner's background, recent and historical financial performance, guarantor's (if applicable) financial condition, collateral performance, risk rating, risk-adjusted return on capital, and several other factors related to First Horizon's underwriting policies and guidelines. Duties and Responsibilities: Work directly with PM, RM and clients to address needs efficiently and accurately Spread financial statements Provide advanced analysis in assessing and evaluating current and new business opportunities Interact with clients and LOB leaders through email, phone conversations, field exams, bank group meetings, etc. Project manage complex credit requests and analyses and see them through to completion Identify emerging industry trends and proactively monitor the risk in the current book of business Attend credit meetings and learn to properly present modifications and new to bank opportunities to internal credit partners for final approval Knowledge and Skills: Critical thinker possessing superior analytical abilities with the ability to reach logical conclusions based on the available information Microsoft Office: Strong excel and presentation building skills Ability to manage multiple projects, while maintaining high attention to detail Self-starter attitude Flexibility and proven ability to diagnose and resolve issues Intellectually curious, ability to think outside the box, assertive Hard working, smart, creative, analytical, driven, exceptionally organized Strong communication skills and results driven Ability to work and excel in a team environment Education: Bachelor's degree (BBA or BS) in Accounting, Finance, or a closely related field. Exceptional educational background required CFA or CPA candidates preferred 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

Requirements Requirements: The successful candidate must have a minimum of three - five years accounts receivable/credit and collections experience and/or customer service experience. In addition, the individual must be able to work in a non-structured, fast-paced environment, be proficient in the Microsoft Office suite of products that includes Word, Outlook and Excel and possess strong time management and organization skills. The individual must have the ability to communicate effectively and in a professional manner. The schedule for this position rotates schedules to include one night a week and a rotation of 12:00 p.m. to 2:00 p.m. on Saturday.

Assistant Manager - Credit Job Description: At Bestway our Credit Managers play a pivotal role in our vision to enhance the customers rent to own experience. We expect our Credit Managers to be customer centric individuals that help our customers achieve product ownership through on time renewals. Expected Number of Hours: 50-55 per week Credit Managers are responsible for the following expectations: · Greeting customers as they enter the store. · Be a Bestway brand ambassador who affects and promotes Bestway's commitment to have the best products at the best prices delivered by the best people in the business. · Support all efforts to improve revenue and profit growth. · Achieve credit standards by using the “4 Key Principles of Customer Interaction”, Bestway's Policy and Procedures while abiding by State and Federal laws. · Must bring energy and enthusiasm to exceed customer service expectations. · Be proficient at the Credit and Sales Minutes. · Build great customer relationships by utilizing communication and service skills to ensure customer retention and enhance the customer's experience during all customer interactions. · Establish professional communication and problem solving skills with customers and co-workers. · Use logistics to manage Sales Representatives to the most efficient manner on deliveries, returns, service calls, and field collections. · Be responsible for maintaining, organizing, protecting, and storing products in stock room area and possess the ability to lead Sales Representatives to assist you. · As a brand ambassador always represent yourself and your company in a professional manner. · Have the ability to learn, develop, and teach the skill to assemble products as well as do minor touch ups, repairs, and refurbishment to ensure all products are rent ready within 48 hours. · Must be competent at explaining the rental agreement and 7 Steps to Renewals. · Must ensure maintenance and upkeep for vehicles. · Complete all other tasks assigned at the discretion of management. Bestway will provide additional training and skill enhancement to allow Credit Manager to: · Have the opportunity to advance to Store and District Manager positions. · Be able to explain the rental agreement and have a thorough understanding of how it works. · Develop collection skills to help grow our customer base by learning to utilize the “4 Key Principles of Customer Interaction.” · Successfully lead staff and daily operations of the store in the absence of the manager. · Engage in continuous self-development. Assistant Managers will assist in creating a culture of; · Teamwork · Commitment to Excellence · Being Results Driven · Developing Future Leaders

The Credit Manager along with the Sales Manager are the second in charge at the individual branch location. The Credit Manager performs a wide variety of job functions at the direction of the General Manager, assisting and coordinating store activities to ensure safe, professional and profitable operations. The Credit Manager is accountable for meeting company objectives; maintain company quality standards and adhering to company policies. Principal Accountabilities Acquire and Maintain Customers Act as a customer liaison who resells the benefits of timely rental/lease agreement renewal payments Assist in managing store personnel; may direct activities of one or more employees Compliance with all applicable federal, state and local statutes Decipher, prepare and review store reports Document all customer commitments Ensure company standards for renewals, delinquencies and store collections are satisfied Fill out paperwork for submission to corporate support Follow monthly marketing plans and maintain internal quality control standards Manage customer accounts Managing inventory and cash assets Prepare daily work schedules, delivery schedules, assign tasks, enforce company policy All other duties deemed necessary for effective store management Requirements for Credit Manager Effective organizational skills Established collection skills Good communication skills Handle multiple priorities simultaneously Learn and become proficient in POS system Maintain professional appearance Must be able to read, write and communicate effectively in person and over the phone with employees and customers Negotiate and resolve conflict Plan, organize, delegate, coordinate and follow up various tasks and assignments Recognize and solve problems Must have proficient navigational skills with a satisfactory driving record and meet insurability requirements Regular and consistent attendance, including nights and weekends as business dictates Education and Experience Two years experience with Rent-to-Own, retail or other business emphasizing customer service, account management, sales and merchandising. General Physical Requirements Position routinely requires lifting, loading, moving, and using a dolly for merchandise 50-300 pounds Stooping, bending, pulling, climbing, reaching and grabbing as required Must be able to traverse multiple flights of stairs while carrying furniture, appliance, and electronics Prolonged driving and standing Must be able to work in and outdoors in a variety of climates and weather conditions. $16.00 - $17.00 Hourly

The Credit Analyst is responsible for validating and setting up new customers in the ERP system. This position will oversee investigation of credit risk in customers and monitor the collection of amounts due to the company. The Credit Analyst position will assess credit practices and recommend changes in policies and procedures to improve cash flow and reduce receivables. This is an 100% on-site role at our corporate office in Memphis, TN. This is not a hybrid or remote position. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned. · Validate customer's credit application, tax certificates, and set up of new customers in the system in compliance with assigned territories and channels. · Analyze and review customer new customers to set credit limits within designated authorized limits · Review existing customer for credit limit increases and required and present to management for approval · Monitor credit holds portal for customer orders held for over credit limit and or past due balances Communicate with collections specialists as required to cure past due payments or obtain information to release orders Communicate with Manager to access needs of increased credit limit and obtain approvals · Investigate and resolve customer disputes and inquiries in a timely matter and issue credit memos if warranted while maintaining customer goodwill. · Contact assigned customers regarding past due accounts and the referral of delinquent accounts to collection agencies as necessary. · Approve settlement of customer accounts and referral to litigation. · Issue Final Demand Letters, follow up with recommendations for outside collections and or charge-off of bad debt. · Review, discuss options, and coordinate collection issues with sales management and representatives in an effort to maintain an open account basis with customers. · Ongoing policy and procedures development as it relates to credit practices. · Maintain an understanding of the tools available in the system in order to utilize the full functionality as it relates to Accounts Receivable and collections. · The ability to work effectively in an environment where priorities shift quickly. Requirements QUALIFICATION REQUIREMENTS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. · Demonstrated experience in process improvement as well as developing and writing policies and procedures. · Demonstrated experience in credit report analysis with excellent written and verbal communication skills. · Strong interpersonal skills with proven dispute resolution ability. · Knowledge of accounting practices and accounts receivable reconciliation. · Advanced computer skills including MS Word, Excel, general ERP systems and the use of outside data sources to gather required information for analysis and reporting. EDUCATION and/or EXPERIENCE: · Bachelor's degree, with 5+ years of credit experience with a medium sized manufacturing/distribution business. LANGUAGE SKILLS: Ability to read, analyze and interpret general business reading and/or training materials as well as federal/state regulations. Ability to write reports, business correspondence, and procedures as needed. Ability to effectively present information and respond to questions from groups of managers, clients, customers and/or the general public. MATHEMATICAL SKILLS: Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages and proportions to practical situations REASONING ABILITY: Ability to define problems, collect data, establish facts, and draw valid conclusions; ability to interpret an instructions in mathematical or diagram form and deal with several abstract and concrete variables OTHER SKILLS and ABILITIES: Must be PC literate (MS Office) and have strong data entry, organizational and interpersonal skills PHYSICAL DEMANDS: While performing the duties of this job, the employee has to occasionally stand, stoop, kneel, crouch, or crawl; the employee is frequently required to walk; the employee is required to regularly sit, use hands to finger, handle, or feel, reach with hands and arms, talk or hear.

The Credit Risk Analyst will develop and evaluate credit risk indicators, forecast capital exposure, and implement risk policies and underwriting guidelines. The Credit Risk Analyst will provide analytical and financial support for credit approvals, portfolio structuring, and risk assessment, while coordinating with internal teams and external partners. Additionally, the position handles special projects, prepares portfolio metrics for senior leadership, and assists with training and concept reviews for new loan products and platforms. Main Job Tasks and Responsibilities: Prepare daily, weekly and monthly reporting on Open Banking Credit relationships which includes reports for Loan Committee and the Board as well as the quarterly call report. Provide Open Banking client policy assessment, process evaluation, commercial exposure assessment. Develop and evaluate risk indicators for Open Banking Credit, assessing performance against expectations, and develop forecast capabilities for credit risk and capital exposure. Assist Credit Administration team in implementation of Open Banking credit risk policies, procedures & underwriting guidelines. Perform monthly Current Expected Credit Loss forecast model. Support Paycargo Finance and other clients as needed and serve to coordinate requests for new credit approvals and renewals between clients and the Credit Administration team. Provide ad hoc data and analytical support for Chief Credit Officer. Assist in financial analysis, identification of the primary risk drivers, structuring of the loan portfolios, overall assessment of risk and ability to repay. Participate in the platform approval process and provide recommendations. Assist Loan Operations in solving loan related structure questions. Assist in the process of vetting new loan products or niche markets. Compile requested portfolio metrics for Chief Credit Officer. Special Projects and Requests, as needed. Work with Open Banking and support areas on training programs and concept reviews for specific loan requests. Education and Experience: Minimum of ten years' experience in data analytics in support of lending risk management, preferably at a financial institution or advisory firm. Graduate degree in any applied analytical science (statistics, operations research, econometrics, business analytics, or math) or commensurate work experience is preferred. Bachelors' degree and sufficient coursework in business, economics, business analytics or similar areas is required. Key Competencies: High level of accuracy, thoroughness, and orderliness in performing work assignments. Strong oral and written communication skills with the ability to communicate confidently with superiors and peers. Strong portfolio life cycle assessment knowledge. Attention to detail and accuracy. Analytical skills. Judgment and problem-solving skills. Demonstrate proficiency with E.D.A. tools (exploratory data analysis) such as SAS, Power BI, Microsoft Excel Pivot Tables, etc. Able to prioritize and reprioritize work tasks and deliver work product under tight deadlines Comfortable with conflicting views of others and able to adequately express their point of view Willingness to take ownership of recommendations and balance loan production with the proper risk/reward relationship

Job Description The Credit Analyst works with our Commercial Lenders and Business Bankers to serve the needs of our commercial clients. This individual will work with our Commercial Lenders to manage existing commercial clients and develop new relationships. A key part of the Commercial Lending Team, the credit analyst helps usher loan requests through the approval process. This position must adhere to all Bank policies, procedures and compliance regulations. DUTIES Analyzing financial reports, business plans, projections, and industry reports to understand customer/prospect credit-worthiness. Preparing written narratives describing borrowers' current financial condition and future outlook. Assisting lenders with daily credit monitoring tasks and monthly credit review. Reviewing covenant compliance for all commercial borrowers. Completing annual reviews on borrowing customers and reviewing ACH/ETL limits. Reviewing credit proposals for loan committee for accuracy and for continuing education. Participating in credit training opportunities. Accompanying lenders on customer/prospect visits to improve credit analysis understanding and to learn business development techniques. Qualifications Bachelor's degree in Business, Business Administration, Finance or Accounting is required. At least one year of work experience in banking, financial analysis, or a related field is required. Working understanding of accounting concepts and how they apply to businesses is required. Preferred Qualifications 1-3 years of financial analysis or banking is preferred. Confidence and competency in oral and written presentation is preferred. A quick learner with the ability to self-direct on important tasks with little to no direction is preferred. Excellent computer skills including, MS Word, Excel, and PowerPoint. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, gender identity, gender stereo typing, and age. Independent Bank is an EO/AA Employer M/F/Vets/Disabled

Reviews loans according to guidelines for documentation completeness and accuracy. Ensure files meet compliance, applicable law, regulatory guidelines, and internal policies and procedures. Perform system review to ensure booked loans are accurately input into loan systems. Identifies errors and returns for repair. Perform quality control of document images and indexing. Perform reviews of individual loans and borrowers to ascertain credit quality and if loans are made in accordance with bank policies and guidelines as well as applicable banking laws and regulations. Including quarterly targeted reviews in accordance with loan policy / asset quality / loan review section and targeted product reviews / analysis. Recommend loan downgrades and upgrades to the Chief Credit Officer for approval. Process paid out files, monitor receipt of recorded documents, monitor expiration of title opinions, process force place insurance, and other various documentation. Minimum qualifications: ● A two year college degree. ● Three years to five years of similar or related experience. ● Must be proficient in the usage of Windows 10/Office 365. Personal Characteristics : ● Exceptional communication and written skills. ● Ability to maintain high degree of confidentiality. ● Ability to meet deadlines.

The Credit Analyst will work directly with the deal team in analyzing, underwriting and monitoring all credit facilities within their portfolio. As a Credit Analyst, the individual will learn the basics of deal making and loan structures while being exposed to other departments within the Bank. The Credit Analyst is an excellent first position in banking that paves the way to numerous other opportunities within First Horizon including sales, credit, relationship management, loan review or other similar positions. Work with the Portfolio Manager (PM) and Relationship Manager (RM) in completing at least 80% of the credit analysis. The credit analysis is Commercial Banking's primary document for analyzing and underwriting all new and outstanding loans. The credit analyst performs an in depth analysis on the borrower's ability to repay focusing on the company and owner's background, recent and historical financial performance, guarantor's (if applicable) financial condition, collateral performance, risk rating, risk-adjusted return on capital, and several other factors related to First Horizon's underwriting policies and guidelines. Duties and Responsibilities: * Work directly with PM, RM and clients to address needs efficiently and accurately * Spread financial statements * Provide advanced analysis in assessing and evaluating current and new business opportunities * Interact with clients through email, phone conversations, field exams, bank group meetings, etc. * Project manage complex credit requests and analyses and see them through to completion * Identify emerging industry trends and proactively monitor the risk in the current book of business * Attend credit meetings and learn to properly present modifications and new to bank opportunities to internal credit partners for final approval Knowledge and Skills: * Critical thinker possessing superior analytical abilities with the ability to reach logical conclusions based on the available information * Microsoft Office: Strong excel and presentation building skills * Ability to manage multiple projects, while maintaining high attention to detail * Self-starter attitude * Flexibility and proven ability to diagnose and resolve issues * Intellectually curious, ability to think outside the box, assertive * Hard working, smart, creative, analytical, driven, exceptionally organized * Strong communication skills and results driven * Ability to work and excel in a team environment Education: * Bachelor's degree (BBA or BS) in Accounting, Finance, or a closely related field. * Exceptional educational background required * CFA candidates preferred 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 Customer Credit Representative's goal will be to provide excellent customer service with regards to account reconciliation and payment services. This goal will be measured through a combination of targets for Days Sales Outstanding (DSO), over 90 day delinquencies and accounts sent to collections. He/She will work to become proactive in the development of relationships with both the internal and external customers. This position is responsible for collections on portfolio of accounts from time of billing up until the receivable is cleared. Collection procedures have been developed to provide a systematic way of handling delinquent accounts while also retaining the customer's loyalty. Interactions with accounts during the collections efforts will be a combination of obtaining firm payment information while maintaining good relationships with customers. Will work with our sales team to address sensitive issues with accounts such as possible suspension due to non-payment. Both oral and written communication skills are critical to the effectiveness in obtaining resolution of the accounts' receivables. Essential Duties and Responsibilities: Include the following. (Other duties may be assigned) · Work the 5-step collection process using the AR aging. All accounts past due over 15 days require a minimum of 1 point of contact in a 15 day period. Cycle is 30 days. · Evaluate held orders due to past due and/or credit line issues for release in a timely manner. · Process credit card charges daily (as necessary). · Resolve disputed items with customer through research of all available information; document and communicate findings to customer and appropriate staff. · Perform annual credit reviews for accounts as well as throughout the year for those accounts that have exceeded their credit line. · Evaluate customer records and recommend accounts to be closed, credit lines reduced or increased, change in terms, or hard collection action, based on earnings and savings data, payment history, and purchase activity of customer. · Confer with representatives of credit associations and other businesses to exchange information concerning credit ratings and forwarding addresses. Knowledge of D&B financial credit reports is a plus. · Create documentation and maintain agreements in ASW and update collection and NSF logs as necessary. · Prepare/update/review all reports on account status, current findings and action taken for all accounts under investigation. · Coordinate/assist customers in the setup and payment of wire transfers and ACH payments via online payment portal. · Designate accounts to be placed with 3rd party collection services. · Collect NSF items from customers. · Assist as needed with set up of new customer and establish credit line and terms. · Assist in the development of policies and procedures and recommendation of such to upper management. Requirements Requirements: The successful candidate must have a minimum of three - five years accounts receivable/credit and collections experience and/or customer service experience. In addition, the individual must be able to work in a non-structured, fast-paced environment, be proficient in the Microsoft Office suite of products that includes Word, Outlook and Excel and possess strong time management and organization skills. The individual must have the ability to communicate effectively and in a professional manner. The schedule for this position rotates schedules to include one night a week and a rotation of 12:00 p.m. to 2:00 p.m. on Saturday.

Summary / Objective At Bestway our Credit Managers play a pivotal role in our vision to enhance the customers rent to own experience. We expect our Credit Managers to be customer centric individuals that help our customers achieve product ownership through on time renewals. Essential Functions Greeting customers as they enter the store. Be a Bestway brand ambassador who affects and promotes Bestway's commitment to have the best products at the best prices delivered by the best people in the business. Support all efforts to improve revenue and profit growth. Achieve credit standards by using the “4 Key Principles of Customer Interaction”, Bestway's Policy and Procedures while abiding by State and Federal laws. Must bring energy and enthusiasm to exceed customer service expectations. Be proficient at the Credit and Sales Minutes. Build great customer relationships by utilizing communication and service skills to ensure customer retention and enhance the customer's experience during all customer interactions. Establish professional communication and problem solving skills with customers and co-workers. Use logistics to manage Sales Representatives to the most efficient manner on deliveries, returns, service calls, and field collections. Be responsible for maintaining, organizing, protecting, and storing products in stock room area and possess the ability to lead Sales Representatives to assist you. As a brand ambassador always represent yourself and your company in a professional manner. Have the ability to learn, develop, and teach the skill to assemble products as well as do minor touch ups, repairs, and refurbishment to ensure all products are rent ready within 48 hours. Must be competent at explaining the rental agreement and 7 Steps to Renewals. Must ensure maintenance and upkeep for vehicles. Complete all other tasks assigned at the discretion of management. Competencies Have the opportunity to advance to Store and District Manager positions. Be able to explain the rental agreement and have a thorough understanding of how it works. Develop collection skills to help grow our customer base by learning to utilize the “4 Key Principles of Customer Interaction.” Successfully lead staff and daily operations of the store in the absence of the manager. Engage in continuous self-development. Position Type / Expected Hours of Work This is a full-time position. Days and hours of work are Monday through Saturday 8:00 a.m. to 6 p.m. and will require additional hours as needed. The Credit Manager Position is required to embrace and represent the Bestway's Bring It Values! Caring Integrity Servant Leadership Ownership Fun

Job DescriptionDescription: The Credit Analyst is responsible for validating and setting up new customers in the ERP system. This position will oversee investigation of credit risk in customers and monitor the collection of amounts due to the company. The Credit Analyst position will assess credit practices and recommend changes in policies and procedures to improve cash flow and reduce receivables. This is an 100% on-site role at our corporate office in Memphis, TN. This is not a hybrid or remote position. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned. · Validate customer's credit application, tax certificates, and set up of new customers in the system in compliance with assigned territories and channels. · Analyze and review customer new customers to set credit limits within designated authorized limits · Review existing customer for credit limit increases and required and present to management for approval · Monitor credit holds portal for customer orders held for over credit limit and or past due balances Communicate with collections specialists as required to cure past due payments or obtain information to release orders Communicate with Manager to access needs of increased credit limit and obtain approvals · Investigate and resolve customer disputes and inquiries in a timely matter and issue credit memos if warranted while maintaining customer goodwill. · Contact assigned customers regarding past due accounts and the referral of delinquent accounts to collection agencies as necessary. · Approve settlement of customer accounts and referral to litigation. · Issue Final Demand Letters, follow up with recommendations for outside collections and or charge-off of bad debt. · Review, discuss options, and coordinate collection issues with sales management and representatives in an effort to maintain an open account basis with customers. · Ongoing policy and procedures development as it relates to credit practices. · Maintain an understanding of the tools available in the system in order to utilize the full functionality as it relates to Accounts Receivable and collections. · The ability to work effectively in an environment where priorities shift quickly. Requirements: QUALIFICATION REQUIREMENTS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. · Demonstrated experience in process improvement as well as developing and writing policies and procedures. · Demonstrated experience in credit report analysis with excellent written and verbal communication skills. · Strong interpersonal skills with proven dispute resolution ability. · Knowledge of accounting practices and accounts receivable reconciliation. · Advanced computer skills including MS Word, Excel, general ERP systems and the use of outside data sources to gather required information for analysis and reporting. EDUCATION and/or EXPERIENCE: · Bachelor's degree, with 5+ years of credit experience with a medium sized manufacturing/distribution business. LANGUAGE SKILLS: Ability to read, analyze and interpret general business reading and/or training materials as well as federal/state regulations. Ability to write reports, business correspondence, and procedures as needed. Ability to effectively present information and respond to questions from groups of managers, clients, customers and/or the general public. MATHEMATICAL SKILLS: Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages and proportions to practical situations REASONING ABILITY: Ability to define problems, collect data, establish facts, and draw valid conclusions; ability to interpret an instructions in mathematical or diagram form and deal with several abstract and concrete variables OTHER SKILLS and ABILITIES: Must be PC literate (MS Office) and have strong data entry, organizational and interpersonal skills PHYSICAL DEMANDS: While performing the duties of this job, the employee has to occasionally stand, stoop, kneel, crouch, or crawl; the employee is frequently required to walk; the employee is required to regularly sit, use hands to finger, handle, or feel, reach with hands and arms, talk or hear.

A Credit Analyst provides daily credit analysis support for commercial lending portfolios. Tasks are completed in a production-based environment and include financial statement and tax return spreading into Bank software or templates, creating and updating loan requests in the Bank's commercial workflow system, financial analysis, underwriting support, covenant monitoring, and industry research for commercial lending prospects/clients. Key Responsibilities Provide support with commercial loan origination and ongoing loan portfolio management, working proactively to ensure both production and portfolio management tasks are prioritized appropriately and completed in a timely manner. Specific tasks include financial statement and tax return spreading into Bank software or templates, creating and updating loan requests in the Bank's commercial workflow system, completing financial analysis, create and present credit memo documents such as new loan requests, modifications, renewals, and annual reviews, tracking and completing covenant monitoring, and completing industry research for commercial lending prospects/clients. Provide feedback on strengths and weaknesses in prospect and borrower credit profiles, incorporating into underwriting documents such as credit memos and annual reviews. Monitors, analyzes, and reports key performance indicators of loan portfolio quality. Works closely with the Portfolio Manager(s) and Relationship Manager(s) on their assigned team(s), proactively asking questions, requesting feedback, and ensuring work is completed with respect to the team's priorities. Participates in special projects and assignments and performs other duties as assigned. Requirements Bachelor's degree (B. A.) in Accounting, Finance or Business preferred. A minimum of one to two years of related experience in the Financial Services or Banking Industry is preferred. Strong understanding and mastery of financial instruments and the processes used to analyze financial data. Strong computer skills required with the following programs: Word, Outlook, and Excel. Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with business unit management and staff. Ability to read, analyze and interpret financial reports; performs simple to moderately complex calculations; effectively researches, analyzes, evaluates, and articulates conclusions 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 • 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 Customer Credit Representative's goal will be to provide excellent customer service with regards to account reconciliation and payment services. This goal will be measured through a combination of targets for Days Sales Outstanding (DSO), over 90 day delinquencies and accounts sent to collections. He/She will work to become proactive in the development of relationships with both the internal and external customers. This position is responsible for collections on portfolio of accounts from time of billing up until the receivable is cleared. Collection procedures have been developed to provide a systematic way of handling delinquent accounts while also retaining the customer's loyalty. Interactions with accounts during the collections efforts will be a combination of obtaining firm payment information while maintaining good relationships with customers. Will work with our sales team to address sensitive issues with accounts such as possible suspension due to non-payment. Both oral and written communication skills are critical to the effectiveness in obtaining resolution of the accounts' receivables. Essential Duties and Responsibilities: Include the following. (Other duties may be assigned) · Work the 5-step collection process using the AR aging. All accounts past due over 15 days require a minimum of 1 point of contact in a 15 day period. Cycle is 30 days. · Evaluate held orders due to past due and/or credit line issues for release in a timely manner. · Process credit card charges daily (as necessary). · Resolve disputed items with customer through research of all available information; document and communicate findings to customer and appropriate staff. · Perform annual credit reviews for accounts as well as throughout the year for those accounts that have exceeded their credit line. · Evaluate customer records and recommend accounts to be closed, credit lines reduced or increased, change in terms, or hard collection action, based on earnings and savings data, payment history, and purchase activity of customer. · Confer with representatives of credit associations and other businesses to exchange information concerning credit ratings and forwarding addresses. Knowledge of D&B financial credit reports is a plus. · Create documentation and maintain agreements in ASW and update collection and NSF logs as necessary. · Prepare/update/review all reports on account status, current findings and action taken for all accounts under investigation. · Coordinate/assist customers in the setup and payment of wire transfers and ACH payments via online payment portal. · Designate accounts to be placed with 3rd party collection services. · Collect NSF items from customers. · Assist as needed with set up of new customer and establish credit line and terms. · Assist in the development of policies and procedures and recommendation of such to upper management. Requirements Requirements: The successful candidate must have a minimum of three - five years accounts receivable/credit and collections experience and/or customer service experience. In addition, the individual must be able to work in a non-structured, fast-paced environment, be proficient in the Microsoft Office suite of products that includes Word, Outlook and Excel and possess strong time management and organization skills. The individual must have the ability to communicate effectively and in a professional manner. The schedule for this position rotates schedules to include one night a week and a rotation of 12:00 p.m. to 2:00 p.m. on Saturday.