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.
Find Credit Analyst JobsOverview
Showing 5 of 7+ Credit Analyst jobs
Career Area:
Job Description:
Your Work Shapes the World at Caterpillar Inc.
When you join Caterpillar, you're joining a global team who cares not just about the work we do – but also about each other. We are the makers, problem solvers, and future world builders who are creating stronger, more sustainable communities. We don't just talk about progress and innovation here – we make it happen, with our customers, where we work and live. Together, we are building a better world, so we can all enjoy living in it.
Our common values and focus on inclusion and respect drive the decisions made by our company, teams and people. This is why we are committed to hiring and building diverse teams representative of the customers we serve globally. When you join our team, you can apply your unique life and job experiences and work in an environment where your ideas are heard, your contributions are celebrated, and your whole-self matters.
When you join Caterpillar, you're joining a global team who cares not just about the work we do – but also about each other. We are the makers, problem solvers and future world builders who are creating stronger, more sustainable communities. We don't just talk about progress and innovation here – we make it happen, with our customers, where we work and live. Together, we are building a better world, so we can all enjoy living in it.
About Cat Financial
Cat Financial is a subsidiary of Caterpillar Inc., the world’s leading manufacturer of construction and mining equipment, off-highway diesel and natural gas engines, industrial gas turbines and diesel-electric locomotives. For more than 40 years, Cat Financial has provided a wide range of financing solutions to customers and Cat® dealers for machines, engines, Solar® gas turbines, genuine Cat parts and services. Headquartered in Nashville, Tennessee, Cat Financial serves customers globally with offices and subsidiaries located throughout North and South America, Asia, Australia, Europe and Africa. Visit cat.com to learn more about Cat Financial.
Role Definition:
- Evaluates commercial loan requests by reviewing applicants' credit histories and analyzing financial statements in order to approve or deny loan applications.
Responsibilities:
- Reviews the credit history, profitability and liquidity of clients to assess the risk level involved in credit extension or money lending.
- Consults with customers to verify financial and credit transactions; responds to customer inquiries and resolves customer complaints.
- Communicates with credit associations and other relevant authorities about the credit history of customers.
- Analyzes financial data to determine customers' risk profile for commercial loans; recommends approval or denial of loan applications.
Skills and Experience Required:
- Financial Statement Analysis – Strong ability to interpret and analyze balance sheets, income statements, and cash flow statements to assess financial performance and creditworthiness.
- Credit Risk Assessment – Demonstrated ability to identify financial strengths, weaknesses, and key risk indicators, including recognizing common red and green flags within financial data.
- Analytical Problem Solving – Skilled at evaluating complex situations, defining issues, determining their significance, and developing sound conclusions based on available information.
- Critical Thinking & Decision Making – Uses financial data, logic, and business judgment to make informed recommendations and risk-based decisions.
- Financial & Accounting Knowledge – Solid understanding of fundamental accounting principles, financial concepts, and terminology relevant to credit analysis and commercial lending.
- Credit Analysis Expertise – Knowledge of credit analysis methodologies, tools, and techniques used to evaluate borrower risk and financial health.
- Attention to Detail – Ability to review financial statements and supporting documentation for accuracy, completeness, validity, and consistency while identifying discrepancies or concerns.
- Quality Assurance & Validation – Applies structured review processes, verification techniques, and cross-checking methods to ensure high-quality and accurate analysis outputs.
- Data Accuracy & Integrity – Proven ability to verify and validate customer financial and loan information, ensuring data reliability and compliance with established standards.
- Systems & Process Management – Experience maintaining accurate records and managing information within loan origination systems and other financial applications.
Degree Requirement:
- A 4-year college or university degree in any discipline and a minimum of 2 years exempt experience in credit, customer services, collections, financial statement analysis and/or a related discipline is recommended.
Compensation & Benefits:
Summary Pay Range:
$74,124.00 - $118,608.00
Compensation and benefits offered may vary depending on multiple individualized factors, job level, market location, job-related knowledge, skills, individual performance and experience. Please note that salary is only one component of total compensation at Caterpillar.
Benefits:
Subject to plan eligibility, terms, and guidelines. This is a summary list of benefits.
Medical, dental, and vision benefits*
Paid time off plan (Vacation, Holidays, Volunteer, etc.)*
401(k) savings plans*
Health Savings Account (HSA)*
Flexible Spending Accounts (FSAs)*
Health Lifestyle Programs*
Employee Assistance Program*
Voluntary Benefits and Employee Discounts*
Career Development*
Incentive bonus*
Disability benefits
Life Insurance
Parental leave
Adoption benefits
Tuition Reimbursement
- These benefits also apply to part-time employees
Additional Information:
- This role is on site 5 days per week based in the Nashville, TN.
This Job Description is intended as a general guide to the job duties for this position and is not designed to contain or be interpreted as an exhaustive summary of all responsibilities, duties and effort required of employees assigned to this job. At the discretion of management, this description may be changed at any time to address the evolving needs of the organization. It is expressly not intended to be a comprehensive list of “essential job functions” as that term is defined by the Americans with Disabilities Act.
This position requires working onsite five days a week. Visa Sponsorship is not available for this position.
Posting Dates:
September 10, 2026 - September 17, 2026Any offer of employment is conditioned upon the successful completion of a drug screen.
Caterpillar is an Equal Opportunity Employer, Including Veterans and Individuals with Disabilities. Qualified applicants of any age are encouraged to apply.
Not ready to apply? Join our Talent Community.
Career Area:
Job Description:
Your Work Shapes the World at Caterpillar Inc.
When you join Caterpillar, you're joining a global team who cares not just about the work we do – but also about each other. We are the makers, problem solvers, and future world builders who are creating stronger, more sustainable communities. We don't just talk about progress and innovation here – we make it happen, with our customers, where we work and live. Together, we are building a better world, so we can all enjoy living in it.
Our common values and focus on inclusion and respect drive the decisions made by our company, teams and people. This is why we are committed to hiring and building diverse teams representative of the customers we serve globally. When you join our team, you can apply your unique life and job experiences and work in an environment where your ideas are heard, your contributions are celebrated, and your whole-self matters.
When you join Caterpillar, you're joining a global team who cares not just about the work we do – but also about each other. We are the makers, problem solvers and future world builders who are creating stronger, more sustainable communities. We don't just talk about progress and innovation here – we make it happen, with our customers, where we work and live. Together, we are building a better world, so we can all enjoy living in it.
About Cat Financial
Cat Financial is a subsidiary of Caterpillar Inc., the world’s leading manufacturer of construction and mining equipment, off-highway diesel and natural gas engines, industrial gas turbines and diesel-electric locomotives. For more than 40 years, Cat Financial has provided a wide range of financing solutions to customers and Cat® dealers for machines, engines, Solar® gas turbines, genuine Cat parts and services. Headquartered in Nashville, Tennessee, Cat Financial serves customers globally with offices and subsidiaries located throughout North and South America, Asia, Australia, Europe and Africa. Visit cat.com to learn more about Cat Financial.
Role Definition:
- Evaluates commercial loan requests by reviewing applicants' credit histories and analyzing financial statements in order to approve or deny loan applications.
Responsibilities:
- Reviews the credit history, profitability and liquidity of clients to assess the risk level involved in credit extension or money lending.
- Consults with customers to verify financial and credit transactions; responds to customer inquiries and resolves customer complaints.
- Communicates with credit associations and other relevant authorities about the credit history of customers.
- Analyzes financial data to determine customers' risk profile for commercial loans; recommends approval or denial of loan applications.
Skills and Experience Required:
- Financial Statement Analysis – Strong ability to interpret and analyze balance sheets, income statements, and cash flow statements to assess financial performance and creditworthiness.
- Credit Risk Assessment – Demonstrated ability to identify financial strengths, weaknesses, and key risk indicators, including recognizing common red and green flags within financial data.
- Analytical Problem Solving – Skilled at evaluating complex situations, defining issues, determining their significance, and developing sound conclusions based on available information.
- Critical Thinking & Decision Making – Uses financial data, logic, and business judgment to make informed recommendations and risk-based decisions.
- Financial & Accounting Knowledge – Solid understanding of fundamental accounting principles, financial concepts, and terminology relevant to credit analysis and commercial lending.
- Credit Analysis Expertise – Knowledge of credit analysis methodologies, tools, and techniques used to evaluate borrower risk and financial health.
- Attention to Detail – Ability to review financial statements and supporting documentation for accuracy, completeness, validity, and consistency while identifying discrepancies or concerns.
- Quality Assurance & Validation – Applies structured review processes, verification techniques, and cross-checking methods to ensure high-quality and accurate analysis outputs.
- Data Accuracy & Integrity – Proven ability to verify and validate customer financial and loan information, ensuring data reliability and compliance with established standards.
- Systems & Process Management – Experience maintaining accurate records and managing information within loan origination systems and other financial applications.
Degree Requirement:
- A 4-year college or university degree in any discipline and a minimum of 2 years exempt experience in credit, customer services, collections, financial statement analysis and/or a related discipline is recommended.
Compensation & Benefits:
Summary Pay Range:
$74,124.00 - $118,608.00
Compensation and benefits offered may vary depending on multiple individualized factors, job level, market location, job-related knowledge, skills, individual performance and experience. Please note that salary is only one component of total compensation at Caterpillar.
Benefits:
Subject to plan eligibility, terms, and guidelines. This is a summary list of benefits.
Medical, dental, and vision benefits*
Paid time off plan (Vacation, Holidays, Volunteer, etc.)*
401(k) savings plans*
Health Savings Account (HSA)*
Flexible Spending Accounts (FSAs)*
Health Lifestyle Programs*
Employee Assistance Program*
Voluntary Benefits and Employee Discounts*
Career Development*
Incentive bonus*
Disability benefits
Life Insurance
Parental leave
Adoption benefits
Tuition Reimbursement
- These benefits also apply to part-time employees
Additional Information:
- This role is on site 5 days per week based in the Nashville, TN.
This Job Description is intended as a general guide to the job duties for this position and is not designed to contain or be interpreted as an exhaustive summary of all responsibilities, duties and effort required of employees assigned to this job. At the discretion of management, this description may be changed at any time to address the evolving needs of the organization. It is expressly not intended to be a comprehensive list of “essential job functions” as that term is defined by the Americans with Disabilities Act.
This position requires working onsite five days a week. Visa Sponsorship is not available for this position.
Posting Dates:
September 10, 2026 - September 17, 2026Any offer of employment is conditioned upon the successful completion of a drug screen.
Caterpillar is an Equal Opportunity Employer, Including Veterans and Individuals with Disabilities. Qualified applicants of any age are encouraged to apply.
Not ready to apply? Join our Talent Community.
See All 7 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 Caterpillar, Legends Bank, and Coffee County Bank, based on current listings on Migrate Mate as of September 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?
Memphis, Columbia, and Dyersburg 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 25% of credit analyst openings tied to Tennessee are remote or hybrid as of September 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 7 Credit Analyst Jobs in Tennessee
Find roles in Tennessee that match your experience and apply in just a few clicks.
Find Credit Analyst Jobs