What are the responsibilities and job description for the Credit Analyst II position at First Horizon?
Summary
Responsible for evaluating and approving or rejecting loan applications based on established criteria. Handles smaller and less complex loans.
Essential Duties and Responsibilities
- Receive credit requests and make approve/decline decisions within established policy, guidelines, and turnaround times.
- Underwrite real estate related credit requests.
- Document decisions properly and completely with particular diligence given to explanations of overrides or variances, to include a narrative to explain credit decisions.
- Provide a high level of customer service to the originators of loan requests to include the communication of credit decisions and answering questions.
- Works with the loan administration and client specialists to manage delinquencies on loans;
- Reports troublesome loans to the senior credit officer and commercial line manager on a timely basis.
- Ensures that the systems of record are accurate for the loans being administered; ensures that management information is reported timely and accurately.
- Obtains satisfactory loan reviews and ensures that regular audits are performed.
Qualifications
- College degree in related field
- 4-8 years of relevant experience and/or training preferred.
Computer and Office Equipment Skills
Microsoft Office Suite