Commercial Credit Analyst: Underwrite, Analyze & Shape Deals

gpac; Collierville (TN); On-site; USD 55,000 - 75,000; Full time

Job summary

gpac in Memphis, TN, is hiring a Credit Analyst for an on-site role in E Memphis. You will analyze financials, assess credit risk, underwrite requests, and provide structuring recommendations to the lending team.

You will prepare credit memos, annual reviews, financial analyses, and communicate findings clearly to loan officers, gaining meaningful exposure to the commercial credit process and deal structuring.

Qualifications

• Detail-oriented analytical thinker with strong credit analysis skills.
• Experience in commercial banking/credit underwriting is a plus.
• Familiarity with financial statements and ratio analysis.

Responsibilities

• Analyze new and existing commercial relationships and assess lending risk.
• Prepare credit memos, annual reviews, financial analyses, and credit packages.
• Work with balance sheets, income statements, cash flow statements, and ratio analysis.
• Provide recommendations on credit structure and pricing based on analysis.
• Evaluate borrower financials and communicate findings to the lending team.

Skills

Credit analysis

Financial analysis

Underwriting

Ratio analysis

Communication

Job description

gpac in Memphis, TN, is hiring a Credit Analyst for an on-site role in E Memphis. You will analyze financials, assess credit risk, underwrite requests, and provide structuring recommendations to the lending team.

You will prepare credit memos, annual reviews, financial analyses, and communicate findings clearly to loan officers, gaining meaningful exposure to the commercial credit process and deal structuring.