Credit Analyst
Company: Independent Bank
Location: Memphis
Posted on: February 13, 2026
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Job Description:
Job Description Job Description The Credit Analyst works with
our Commercial Lenders and Business Bankers to serve the needs of
our commercial clients. This individual will work with our
Commercial Lenders to manage existing commercial clients and
develop new relationships. A key part of the Commercial Lending
Team, the credit analyst helps usher loan requests through the
approval process. This position must adhere to all Bank policies,
procedures and compliance regulations. DUTIES Analyzing financial
reports, business plans, projections, and industry reports to
understand customer/prospect credit-worthiness. Preparing written
narratives describing borrowers' current financial condition and
future outlook. Assisting lenders with daily credit monitoring
tasks and monthly credit review. Reviewing covenant compliance for
all commercial borrowers. Completing annual reviews on borrowing
customers and reviewing ACH/ETL limits. Reviewing credit proposals
for loan committee for accuracy and for continuing education.
Participating in credit training opportunities. Accompanying
lenders on customer/prospect visits to improve credit analysis
understanding and to learn business development techniques.
Qualifications Bachelor's degree in Business, Business
Administration, Finance or Accounting is required. At least one
year of work experience in banking, financial analysis, or a
related field is required. Working understanding of accounting
concepts and how they apply to businesses is required. Preferred
Qualifications 1-3 years of financial analysis or banking is
preferred. Confidence and competency in oral and written
presentation is preferred. A quick learner with the ability to
self-direct on important tasks with little to no direction is
preferred. Excellent computer skills including, MS Word, Excel, and
PowerPoint. All qualified applicants will receive consideration for
employment without regard to race, color, religion, sex, national
origin, gender identity, gender stereo typing, and age. Independent
Bank is an EO/AA Employer M/F/Vets/Disabled
Keywords: Independent Bank, Memphis , Credit Analyst, Accounting, Auditing , Memphis, Tennessee
