Job Information
First Citizens National Bank Commercial Credit Analyst II - Middle TN in Franklin, Tennessee
Position:
Commercial Credit Analyst II (full time) - 2 positions
Department:
Middle TN Region: Cool Springs - Franklin, Nolensville or Spring Hill, TN
Date Announced:
April 1, 2026
Position Description:
The Commercial Credit
Analyst
II
independently
assesses moderate and complex
credit
requests
for presentation to Senior Commercial Lending and Executive staff. Although working
independently
on credit assessment, the analyst will assist commercial lenders with loan administration, legal documentation, cross-selling opportunities, call reporting, and customer communication.
Job Responsibilities:
Soundly apply the bank's credit culture and credit policies; is considered a policy expert
Use independent judgment and critical thinking in the compilation of key financial data for the accurate representation of credit risk in loan requests including global cash flow analysis, collateral analysis, industry analysis, management analysis, and overall repayment capacity
Independentlycompleteunderwritinginaccordancewithcurrentregulations, compliance terms, bank policy, and legal requirements
Accept credit requests directly from borrowers; make initial decision with regard to declination proceeding in the credit request process
Recommend appropriate risk grade, supporting the grade with risks, mitigants, and strengths
Considered a valuable resource for the credit write-up/template and tax return analysis
Proactively assist the Commercial Lenders in portfolio management functions including seeking out and assisting in the annual review process, loan review preparation, and in regulatory examinations; may manage said processes and examinations
Spread financial statements and tax returns and analyze historical performance; review proformas for reasonableness
Develop appropriate loan covenants to provide advance warning of potential credit risk and mitigate losses; develop proper loan structures
Assist in the training of junior analysts as needed; may manage a small group of other credit analysts or related positions
Review and analyze appraisals for market, credit, construction, and economic risks
Understand more complicated loan documents; assist Commercial Lenders in working with outside legal counsel to prepare and execute loan documentation
Participate in customer meetings; independently inspect properties; prepare customer communication on behalf of the Commercial Lender; handle simple loan closings for the Commercial Lender; work with customers in obtaining updated financial statements
Assist Commercial Lenders with presenting loan requests to approvers, Senior Lenders, and Loan Committee as needed; attend and participate in other meetings; may present credit requests on behalf of Commercial Lenders
Obtain, analyze, and incorporate third-party borrower information (e.g., credit reports); researc