Ipsae Gardner

Commercial & Middle Market Lending | Master of Science in Finance

Role
Senior Credit Analyst at Simmons Bank
Location
College Station, TX, US
LinkedIn followers
500 followers
Finance & AccountingView LinkedIn profile

About Ipsae Gardner

I was born and raised in South Korea, beginning my career in the healthcare field. Today, I am proud of the journey that has brought me to where I am, both personally and professionally. My life experiences include studying abroad, adapting to new environments (culture, language, people, food, etc.), achieving academic and professional success, and building a wonderful family. My proactive approach, determination, and meticulous planning have shaped my current success.As a team player, critical thinker, and problem solver, I am always striving to grow. Feel free to connect with me for professional or personal networking.

Experience

  1. Senior Credit Analyst

    Simmons Bank

    Oct 2025 — Present

    Structure and evaluate C&I credit facilities and underwrite a variety of CRE deals, building on my previous portfolio‑manager experience by focusing fully on C&I underwriting and adding full CRE involvement, while also providing ad hoc financial analysis, scenario modeling, and detailed reviews of cash flow, collateral, markets, and industries to support deal strategy and give clear recommendations to credit leadership.

Education

  • Brigham Young University - Idaho

    Bachelor's degree, Business management-finance

    2013 — 2015

  • Zions Bancorporation

    Certificate of Undergraduate Studies, Intermediate Credit Program

  • Utah Valley University

    Associate's degree, General education & Exercise Science

    2011 — 2012

  • Utah Valley University

    Certificate of Undergraduate Studies, Women's Studies

  • University of Utah - David Eccles School of Business

    Master of Science in Finance, Finance

    2016 — 2017

  • Brigham Young University - Idaho

    Bachelor of Science, Business Administration and Management, General

Skills

  • Bloomberg Data License
  • Research
  • Statistics
  • Data Analysis
  • Critical Thinking
  • Microsoft Word
  • Teamwork
  • Powerpoint
  • Microsoft Excel

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Ipsae Gardner — Senior Credit Analyst at Simmons Bank in College Station, TX, US | Unifers