Credit Analyst / Underwriter

gpac; Germantown (TN); On-site; USD 60,000 - 80,000; Full time

Benefits offered by this job

Health, dental, and vision coverage

401(k) plan

Job summary

gpac is seeking a Credit Analyst to join a leading bank's Commercial Underwriting team. You will analyze personal and business financial statements, assess liquidity, and prepare underwriting analyses to inform lending decisions.

Collaborate with Commercial Lending officers, ensure compliant loan files, apply credit policies, and present clear recommendations to credit committees. A Finance or Accounting degree and 2–5 years of experience are required.

Qualifications

• 2 to 5 years of relevant experience in credit analysis or related roles.
• Bachelor's degree with a concentration in Finance or Accounting.
• Proficient with Microsoft Windows, Office Suite (Word, Excel), and loan processing systems.
• Strong analytical skills with the ability to interpret complex documents and make well-informed decisions.
• Excellent interpersonal skills, capable of building relationships with discretion, diplomacy, and tact.
• Ability to handle physical demands such as lifting up to 50 pounds and remaining stationary for extended periods.
• Preferred Skills: CRE, C&I lending, loan structuring, financial structuring, and DSCR analysis.
• Work Environment: Office setting with a professional and collaborative culture.
• Benefits: Comprehensive health, dental, and vision coverage, plus a 401(k) plan to help secure your future.

Responsibilities

• Spread and analyze financial statements to assess lending capacity.
• Use software tools to evaluate financial ratios and identify liquidity, revenue, and profitability trends.
• Collaborate with Commercial Lending officers to ensure complete documentation for new credit proposals and renewals.
• Evaluate loan requests, apply credit policies, identify risks, and prepare clear analyses for management and credit committees.
• Communicate with Retail and Lending staff to facilitate approvals.
• Ensure loan files comply with laws, regulations, and internal policies.

Skills

Analytical skills

Interpersonal skills

Discretion and tact

Attention to detail

Education

Bachelor's degree in Finance or Accounting

Tools

Microsoft Office

Loan processing systems

Job description

#WeAreHiring: Credit Analyst & Commercial Underwriting Specialist

Our client, a Bank in the financial services sector, is seeking a skilled Credit Analyst to provide vital underwriting and analytical support to their Commercial Underwriting team. This is an excellent opportunity to join a dynamic environment where your expertise in financial analysis will directly impact sound lending decisions.

Key Responsibilities

• Spread and analyze personal and business financial statements, including tax returns, to assess financial capacity for lending.
• Use sophisticated software tools to produce and evaluate key financial ratios and identify trends related to liquidity, revenues, and profitability.
• Collaborate closely with Commercial Lending officers to ensure complete and accurate documentation for new credit proposals and renewals.
• Assist in evaluating loan requests vigilantly, applying credit policies, identifying risks, and preparing clear, high-quality analysis for management and credit committees.
• Communicate effectively with Retail and Lending staff throughout all phases of credit review to facilitate efficient approvals.
• Ensure all loan files comply with applicable laws, regulations, and internal policies.

Qualifications

• 2 to 5 years of relevant experience in credit analysis or related roles.
• Bachelor's degree with a concentration in Finance or Accounting.
• Proficient with Microsoft Windows, Office Suite (Word, Excel), and loan processing systems.
• Strong analytical skills with the ability to interpret complex documents and make well-informed decisions.
• Excellent interpersonal skills, capable of building relationships with discretion, diplomacy, and tact.
• Ability to handle physical demands such as lifting up to 50 pounds and remaining stationary for extended periods.
• Preferred Skills:** Experience in CRE, C&I lending, loan structuring, financial structuring, and DSCR analysis.
• Work Environment:** Office setting with a professional and collaborative culture.
• Benefits:** Comprehensive health, dental, and vision coverage, plus a 401(k) plan to help secure your future.

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.