Credit Analyst Jobs in Tennessee
Credit Analyst jobs in Tennessee are in steady demand, concentrated in banking, commercial lending, healthcare finance, and manufacturing credit operations, with openings ranging from entry-level positions through senior and portfolio management roles. Nashville, Memphis, and Knoxville lead hiring activity, anchored by employers such as Truist, Regions Bank, and HCA Healthcare, all of which maintain significant credit and financial operations in the state. The most sought-after specialties in Tennessee are commercial credit, consumer underwriting, and healthcare receivables analysis. Find a role that fits below and apply directly.
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Showing 5 of 12+ Credit Analyst jobs
- Analyzes financial statements, tax returns, cash flow, collateral, and other financial information to evaluate borrowers' financial condition, repayment capacity, and overall creditworthiness.
- Prepares comprehensive credit memorandums, including financial analysis, risk assessments, loan structure, pricing, collateral, and covenant recommendations for loan approval.
- Evaluates new credit requests, renewals, extensions, and modifications to ensure appropriate loan structures and adherence to the Bank's lending standards.
- Reviews and recommends appropriate credit risk ratings based on borrowers' financial performance, repayment capacity, and identified risk factors.
- Monitors the commercial loan portfolio through annual reviews, financial statement analysis, covenant compliance, and identification of emerging credit weaknesses or deteriorating credit relationships.
- Bachelor's degree in finance, accounting, or economics. An MBA or CFA is a plus.
- 4–7 years of commercial credit analysis experience, ideally including formal credit training.
- Strong command of financial modeling, global cash flow analysis, and loan documentation.
- Clear writing, sound judgment, and the ability to manage multiple deadlines.
- Proficient in underwriting commercial real estate, C&I, or small business lending.
- Health, Dental & Vision Insurance
- Company-Paid Life & AD&D Insurance
- Company-Paid Short-Term & Long-Term Disability
- 401(k) with Employer Matching
- Employee Assistance Program (EAP)
- Generous Paid Time Off
- Up to 11 Paid Holidays
- Analyzes financial statements, tax returns, cash flow, collateral, and other financial information to evaluate borrowers' financial condition, repayment capacity, and overall creditworthiness.
- Prepares comprehensive credit memorandums, including financial analysis, risk assessments, loan structure, pricing, collateral, and covenant recommendations for loan approval.
- Evaluates new credit requests, renewals, extensions, and modifications to ensure appropriate loan structures and adherence to the Bank's lending standards.
- Reviews and recommends appropriate credit risk ratings based on borrowers' financial performance, repayment capacity, and identified risk factors.
- Monitors the commercial loan portfolio through annual reviews, financial statement analysis, covenant compliance, and identification of emerging credit weaknesses or deteriorating credit relationships.
- Bachelor's degree in finance, accounting, or economics. An MBA or CFA is a plus.
- 4–7 years of commercial credit analysis experience, ideally including formal credit training.
- Strong command of financial modeling, global cash flow analysis, and loan documentation.
- Clear writing, sound judgment, and the ability to manage multiple deadlines.
- Proficient in underwriting commercial real estate, C&I, or small business lending.
- Health, Dental & Vision Insurance
- Company-Paid Life & AD&D Insurance
- Company-Paid Short-Term & Long-Term Disability
- 401(k) with Employer Matching
- Employee Assistance Program (EAP)
- Generous Paid Time Off
- Up to 11 Paid Holidays
See All 12 Credit Analyst Jobs in Tennessee
Find roles in Tennessee that match your experience and apply in just a few clicks.
Find Credit Analyst JobsCredit Analyst Jobs by City in Tennessee
Where Tennessee roles are concentrated, by current openings.
Credit Analyst Job Market in Tennessee
A snapshot from current Tennessee openings, updated as new roles post.
Who's Hiring
Top Industries Hiring
- Banking & Financial Services
What Tennessee Employers Look For
The qualifications that appear most often in credit analyst jobs across Tennessee.
- Bachelor's degree in finance, accounting, economics, or a related business field
- Proficiency in financial statement analysis and credit risk assessment
- Experience with commercial or consumer loan underwriting in a banking environment
- Knowledge of Tennessee banking regulations and federal lending compliance standards
- Skill with credit analysis software such as Moody's, Sageworks, or Excel-based models
- Strong written communication for preparing credit memos and presenting to loan committees
Credit Analyst Jobs in Tennessee: Frequently Asked Questions
How do you become a credit analyst in Tennessee?
The typical path in Tennessee starts with a bachelor's degree in finance, accounting, or economics, followed by an entry-level position at a bank, credit union, or financial services firm. Tennessee does not require a state-issued license specific to credit analysis. Most employers favor candidates who have completed the National Association of Credit Management's Credit Business Associate or Credit Business Fellow designation, and several Tennessee community colleges offer related financial analysis coursework to help candidates build foundational skills.
How much do credit analysts make in Tennessee?
Credit analysts in Tennessee earn a median of about $72,550 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $49,080 for the lowest 10% to over $134,980 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire credit analysts in Tennessee?
Employers hiring credit analysts in Tennessee right now include Park National Bank, Caterpillar, and First Horizon Bank, based on current listings on Migrate Mate as of November 2026. Tennessee's strong regional banking sector and the concentration of corporate headquarters in Nashville mean consistent openings across both traditional lenders and diversified financial services companies.
Which Tennessee cities have the most credit analyst jobs?
Nashville, Memphis, and Knoxville are the Tennessee cities with the most credit analyst openings. Nashville dominates due to its density of regional bank headquarters and large healthcare finance operations, while Memphis supports steady demand through its logistics, commercial lending, and mid-market banking presence, and Knoxville draws openings from community banks and manufacturing-sector credit functions across East Tennessee.
Are there remote credit analyst jobs in Tennessee?
Yes, and more than many finance roles because credit analysis is largely desk-based and document-driven. About 100% of credit analyst openings tied to Tennessee are remote or hybrid as of November 2026, reflecting banks and fintech lenders that have embraced flexible arrangements post-pandemic. Commercial credit and portfolio review work tend to be the most remote-compatible, while roles requiring regular client interaction or loan committee attendance are more often on-site.
How can I get hired as a credit analyst in Tennessee with little or no experience?
The most realistic entry point is a credit analyst trainee or junior credit associate role at a Tennessee community bank or regional lender, where structured rotational programs introduce new graduates to underwriting fundamentals. Regions Bank and Truist both run formal credit development programs in their Tennessee markets. Moving laterally from a bank teller, loan processor, or accounts receivable position is also a recognized path. Earning the Credit Business Associate designation from the National Association of Credit Management gives candidates a concrete credential that Tennessee hiring managers value when formal experience is limited.
Where can I find and apply to credit analyst jobs in Tennessee?
You can find and apply to credit analyst jobs in Tennessee on Migrate Mate, which lists current openings across the state. Search the listings to find roles that match your experience and location, then apply directly to the ones that fit.
See All 12 Credit Analyst Jobs in Tennessee
Find roles in Tennessee that match your experience and apply in just a few clicks.
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