Banking Credit Analyst

Job Description

Job Description

We are looking for a Banking Credit Analyst to support sound lending decisions through thoughtful evaluation of commercial credit opportunities in Memphis, Tennessee. This role focuses on reviewing financial information, assessing borrower risk, and delivering clear recommendations that help guide portfolio and underwriting activities. The ideal candidate brings strong analytical judgment, attention to detail, and experience working with commercial credit in a banking environment.

Responsibilities:
• Examine commercial loan requests by interpreting financial statements, cash flow trends, collateral information, and overall borrower performance
• Prepare thorough credit assessments that summarize risk factors, repayment capacity, and key considerations for lending decisions
• Partner with relationship managers, lenders, and internal stakeholders to gather documentation and clarify details needed for complete credit evaluation
• Monitor existing borrowing relationships to identify changes in credit quality, industry conditions, or financial performance
• Support underwriting and portfolio management activities by maintaining accurate analysis, reporting, and loan presentation materials
• Compare borrower performance against market and industry indicators to highlight emerging risks and opportunities
• Contribute to the review and maintenance of credit files to ensure documentation is complete, organized, and aligned with internal standards
• Assist with updates to credit processes, tools, or reporting workflows when business needs require operational changes• At least 3 years of experience in credit analysis, preferably within a banking or commercial lending environment
• Demonstrated ability to analyze commercial financial statements, cash flow, and borrower repayment strength
• Working knowledge of commercial credit principles, risk assessment, and underwriting support practices
• Strong financial analysis skills with the ability to identify trends, interpret ratios, and form balanced credit recommendations
• High level of accuracy and attention to detail when handling financial data and loan documentation
• Effective written and verbal communication skills for presenting findings to lending and credit teams
• Ability to manage multiple priorities and meet deadlines in a fast-paced banking setting