Credit Analyst

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

Credit Analyst - E Memphis - Hiring Now!

Strong opportunity for a detail-oriented Credit Analyst looking to build or advance a career in commercial banking. This role works directly with the lending team to analyze financials, assess credit risk, underwrite credit requests, and provide structuring recommendations. Ideal for someone with strong analytical skills who wants meaningful exposure to the commercial credit process.

Key points!

• Commercial Credit Focus - Analyze new and existing commercial relationships and assess overall lending risk.
• Hands-On Underwriting - Prepare credit memos, annual reviews, financial analyses, and credit packages.
• Strong Financial Analysis Exposure - Work with balance sheets, income statements, cash flow statements, and ratio analysis.
• Influence Deal Structure - Provide recommendations on credit structure and pricing based on your analysis.
• Work Directly with Loan Officers - Evaluate borrower financials and clearly communicate findings to the lending team.
• 2+ Years Commercial Credit Preferred - Strong fit for an analyst ready to continue developing their underwriting expertise.
• E Memphis, TN | On-Site Position

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.