Barrett Brown
Senior Credit Analyst i @Guaranty Bank & Trust
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WORK HISTORY
Senior Credit Analyst i @Guaranty Bank & Trust
Fort Worth, TX, US
As the Senior Credit Analyst I at Guaranty Bank & Trust, I assess, underwrite, and monitor commercial loan relationships with a focus on credit risk, financial performance, and strategic fit. I work closely with lenders and executive leadership to structure deals that are both bankable and borrower-friendly, ensuring alignment with policy, compliance, and portfolio risk goals.Core Responsibilities: • Perform in-depth credit analysis on new and existing commercial lending opportunities, including C&I, CRE, and owner-occupied real estate. • Underwrite and present clear, concise credit approval memos with full financial spreads, global cash flow, guarantor support, and risk commentary. • Analyze borrower financials including business tax returns, financial statements, personal cash flow, and liquidity positions. • Collaborate directly with loan officers, senior credit officers, and legal to structure and recommend appropriate loan terms and risk mitigants. • Monitor existing loan portfolios for covenant compliance, credit deterioration, and risk rating accuracy. • Ensure all underwriting complies with bank policies, regulatory guidelines, and sound credit practices.Value I Bring: • Combine real estate investment sales experience with deep credit analysis to underwrite from both a lender and investor lens. • Actively improving internal tools — building modern Excel templates and memo formats to streamline the credit process. • Focused on becoming a strategic asset to the Fort Worth office, driving growth through sharp underwriting and relationship support.
EDUCATION
Baylor University
Bachelors, Finance
Baylor University - Hankamer School of Business
Bachelor of Business Administration - BBA, Finance, General
ABOUT BARRETT BROWN
As Senior Credit Analyst at Guaranty Bank & Trust, I specialize in evaluating credit risk, analyzing complex financial statements, and underwriting new commercial loan relationships across a variety of industries — with a focus on multi-family, industrial, and retail commercial real estate. I bring a unique perspective to lending: prior to banking, I worked as a commercial real estate investment sales broker, advising institutional investors, private equity firms, and developers. That experience sharpened my understanding of real estate value, tenant credit, capital markets, and deal structuring — which I now apply on the credit side to help originate and protect smart loans.I’m passionate about building tools that make underwriting more efficient, insightful, and bankable. Whether it’s reworking Excel models or redesigning credit memo templates, I enjoy simplifying complexity and delivering clear, actionable analysis to lenders and executive leadership.My goal is to become a key contributor to Guaranty Bank’s Fort Worth office — and ultimately grow into a leadership role where I can drive strategy, support clients, and help our credit team thrive.
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