Commercial Credit Analyst - Medical​/Private Banking

Locations: On site at location listed

The Credit Analyst II ("CA II") position provides analytical support in underwriting/analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships. This position is within the Knoxville Medical and Private Client Financial Services team and the CA II will be expected to provide credit analysis support for assigned commercial and corporate lending relationships. Work will be completed within a high production-based environment and includes: financial statement spreading into Bank software or templates, creating and updating loan requests in the Bank’s loan production software, financial statement analysis, underwriting support, covenant monitoring, and industry research for commercial lending prospects/clients.

A Credit Analyst II must be willing and capable of working proactively and independently while ensuring the credit quality of the portfolio. The ideal candidate has previous experience as a CA I or equivalent role, exposure to accounting or financial analysis, is detail-oriented, works well in a team-focused setting, and is comfortable balancing competing priorities in a deadline driven environment.

• Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I and commercial real estate 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 relationship team meetings with management and credit partners to explain information in the analysis when warranted.
• Analyze and prepare credit approval documentation in FHB’s commercial loan system. The Credit Analyst II 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 II is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines.
• Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations.
• Participate in internal credit conversations with PM’s, RM’s Credit Officers and senior management and in external meetings with clients and prospects.
• Participate in portfolio management projects and performs other duties assigned.
• The successful candidate will demonstrate consistently high level of ownership of portfolio management metrics and team initiatives, flexibility in responding to RM/PM/senior management and client deadlines, high level of detail and follow-through, and independence within the framework of the role in assisting in achieving business goals.

None

• Bachelor’s degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience
• Two years of related experience in Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred
• Experience as a Credit Analyst I or equivalent role preferred
• Familiarity with the processes used to analyze financial data
• Highly organized and detail oriented
• Ability to manage multiple priorities and adhere to deadlines while delivering a high-quality work product.
• Entry-level understanding of general bank operations and the commercial lending process
• Ability to understand and communicate information and ideas in a clear and understandable…