Banking Credit Analyst

DescriptionWe are looking for a Banking Credit Analyst to join a growing team in Memphis, Tennessee. This opportunity is ideal for someone with strong analytical ability, solid financial statement expertise, and a genuine interest in building a long-term career in commercial banking. The role offers direct mentorship from experienced credit leaders and provides room to expand into more advanced credit or underwriting work as the organization continues to grow.Responsibilities:• Evaluate borrower financial information, trends, and cash flow performance to support commercial credit decisions.• Review balance sheets, income statements, and related financial documents to identify risk factors and overall credit quality.• Prepare clear credit analyses and written recommendations for commercial lending requests, renewals, and ongoing portfolio reviews.• Partner with lending and credit team members to gather information, discuss transaction structures, and support sound risk assessment.• Monitor existing credit relationships by tracking performance, covenant compliance, and changing business conditions.• Contribute to portfolio management activities by maintaining accurate analysis, documentation, and reporting for assigned credits.• Use business intelligence or performance management tools, such as Cognos or comparable platforms, to organize data and support analysis.• Assist with special projects and process-related initiatives tied to the continued development of the credit function.Requirements• Bachelor’s degree in Finance, Accounting, Economics, or a closely related field.• At least 3 years of experience in credit analysis, banking analysis, financial analysis, or a related commercial lending environment.• Demonstrated ability to interpret financial statements and assess business performance, leverage, liquidity, and repayment capacity.• Background in commercial credit analysis is strongly preferred.• Strong written and verbal communication skills with the ability to present findings clearly and professionally.• High level of analytical curiosity, sound judgment, and interest in continued learning and career development.• Experience with Cognos is strongly preferred; exposure to other BI or performance management platforms is also valuable.Job typePerm