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8533 / Credit Analyst – Commercial Real Estate (Brentwood, TN)
First Tennessee Bank- Knoxville, TN

Position Information

Hourly Wage
Credit Analyst – Commercial Real Estate (Brentwood, TN)
Position Overview:
This position involves underwriting/analyzing commercial real estate loans and assisting Portfolio Managers and Relationship Managers in managing customers’ relationships. This position in the Pro-CRE line of business is effectively an internal bank Pro-CRE training program for future Pro-CRE Credit Analyst II’s, Credit Analyst III’s, Portfolio Manager’s and Relationship Manager’s within the bank. Credit Analyst I’s are expected to quickly progress to positions first as Credit Analyst II’s and III’s and later to assume roles as Portfolio Manager’s or Relationship Manager’s.

Essential Duties and Responsibilities:
• Prepare credit analysis including review/analysis of real estate specific and market information and financial statements for commercial borrowers, guarantors and prospects.
o Real estate and market-specific analysis will include review, analysis and summary of leases, appraisals, construction budgets, pro-formas, etc.

Financial statement analysis will include analysis and presentation of borrower and guarantor balance sheets, income statements, tax returns, global real estate schedules, cash flows, financial ratios, trends and debt repayment capacity.
o Because Pro-CRE loans are generally highly customized and frequently of large dollar amounts, Credit Analyst is expected to adapt or create analytical tools to best suit the specific project/borrower and exercise sound judgement in determining appropriate depth and sources of analysis including conducting additional due diligence when deemed necessary. Credit Analyst will exercise discretion and utilize their personal judgment and experience in determining the best approach to performing and presenting complex analysis in an effective, concise, and thorough manner. CA’s participate in approval conversations with management and credit partners when warranted to justify and explain information in the analysis when warranted.

• Prepare credit approval documentation in First Tennessee's approval system. Credit Approval Documentation includes loan terms, collateral, entering covenants, determining bank's credit exposure, and loan grade inputs.

o Credit Analyst is responsible not only for accurate calculations and inputs but also for thoughtful implementation of Pro-CRE policies, procedures, guidelines and conventions.

• Responsible for working with Portfolio Managers to monitor and manage assigned commercial real estate loan portfolio. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations.
• Works with the Portfolio Managers and Client Specialists to ensure systems of record are accurate for the loan portfolio; ensures that management information is reported timely and accurately; obtains satisfactory loan reviews and ensures that regular reviews of borrowers and real estate projects are performed.
• Participates in internal credit conversations with PM’s, RM’s Credit Risk Managers and senior management and in external meetings with clients and prospects
• Demonstrate consistently high level of ownership in line of business 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.

Education and/or Work Experience Requirements:

• Bachelor’s degree (B.A.), preferably in Accounting, Finance or Business
• Two to four years of related experience in the Financial Services, Banking Industry, Credit Analysis, Loan Review or similar background preferred
• Familiarity with financial instruments and the processes used to analyze financial data
• Good fundamental understanding of general bank operations and the lending process
• Strong computer skills required with the following programs: Access, Word, PowerPoint and Outlook and proficient skills with Excel
• 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

Physical Requirements:

• While performing the duties of this job, the employee is regularly required to use hands to finger, handle or feel; reach with hands and arms; and talk or hear.
• The employee frequently is required to sit.
• This position regularly uses a computer (keyboard/mouse/screen) and telephone.
• Specific vision abilities required by this job include close vision and ability to adjust focus.

Monday - Friday
8:00AM - 5:00 PM

Posting Information

Accounting & Finance
Professional Entry Level
Eligible to work WITHOUT employer visa sponsorship (i.e. U.S. Citizen/Perm. Resident)
May 2019
May 2024
Graduate Student, Alumni
Bachelor's, Master's
Accounting, Accounting, Macc, Administration & Supervision, EdS, Administration & Supervision, MED, Advance Studies in Teaching & ...

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