Senior Credit Analyst

Gateway Group Personnel; Memphis (TX); On-site; USD 85,000 - 105,000; Full time

Job summary

A prominent community bank in Texas seeks a Senior Credit Analyst to strengthen their credit team. The ideal candidate will have 4–7 years of credit analysis or underwriting experience and will take on various responsibilities such as underwriting loan requests and preparing credit narratives. This position offers significant growth potential, with the possibility of advancement into a Credit Officer role for high performers committed to the local team.

Qualifications

• 4–7+ years of underwriting or credit analysis experience.
• Strong Excel and technical skills.
• Ability to interpret financial statements and explain conclusions.

Responsibilities

• Underwrite commercial and consumer loan requests.
• Perform financial spreads and credit analysis.
• Prepare written credit narratives and recommendations.
• Support loan screening, approvals, and compliance.
• Assist with portfolio reporting and credit reviews.

Skills

Underwriting and credit analysis

Excel

Interpreting financial statements

Job description

Our well-known client, one of Tennessee's oldest community banks, is seeking a Senior Credit Analyst to strengthen its credit team as it transitions underwriting from individual lenders to a centralized credit function.

This role is ideal for an experienced analyst who wants to do real credit work, sharpen underwriting judgment, and be part of a department being intentionally built — not overloaded.

What You’ll Be Doing

• Underwrite commercial and consumer loan requests
• Perform financial spreads and credit analysis
• Prepare written credit narratives and recommendations
• Support loan screening, approvals, and compliance
• Assist with portfolio reporting and credit reviews
• Work closely with the Chief Credit Officer on credit administration initiatives

Ideal Background

• 4–7+ years of underwriting or credit analysis experience
• Community banking background strongly preferred
• Ability to interpret financial statements and explain conclusions
• Comfortable owning deals from intake through recommendation
• Strong Excel and technical skills
• Desire to work in-person and be part of a local banking team

Growth Potential

While this role is execution-focused initially, high performers may grow into expanded responsibility — including future advancement into a Credit Officer role (local presence required for advancement).