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Credit Analyst Jobs in Tennessee (NOW HIRING)

Independent Bank

Credit Analyst

Memphis, TN · On-site

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 ...

Independent Bank

Credit Analyst

Memphis, TN · On-site

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 ...

Cypress HCM

Credit Analyst

Nashville, TN · On-site

$20 - $22.76/hr

Credit Analyst The Credit Analyst will evaluate and analyze financial information to assess the creditworthiness of individuals or companies. This role involves reviewing credit reports, financial ...

LEGENDS BANK

Credit Analyst

Clarksville, TN · On-site

Credit Analyst Department: Credit Reports To: Credit Officer FLSA Status: Non-Exempt Expectations for ALL Team Members: Supports Legends Bank's Mission, Vision, and Values by demonstrating the ...

Ingram Industries

Credit Analyst

La Vergne, TN · On-site

$58K - $72K/yr

Ingram Content Group (ICG) is hiring a Credit Analyst to join our team in LaVergne, TN just outside Nashville. In this role, you will Monitor credit limits and payment status on a portfolio of key ...

Robert Half

Banking Credit Analyst

Memphis, TN · On-site

We are looking for a Banking Credit Analyst to join a growing team in Memphis, Tennessee. This opportunity is ideal for someone with strong analytical ability, solid financial statement expertise ...

Ingram Content Group

Credit Analyst

La Vergne, TN · On-site

Ingram Content Group (ICG) is hiring a Credit Analyst to join our team in LaVergne, TN just outside Nashville. In this role, you will Monitor credit limits and payment status on a portfolio of key ...

Ingram Content Group

Credit Analyst

La Vergne, TN · On-site

$58K - $72K/yr

Company Description Ingram Content Group (ICG) is hiring a Credit Analyst to join our team in LaVergne, TN just outside Nashville. In this role, you will Monitor credit limits and payment status on a ...

US Bank

Credit Analyst

Knoxville, TN · On-site

The Project Analyst conducts detailed reviews of property-related documentation, including homeowner association (HOA) financial statements, board documents, insurance policies, litigation records ...

Fifth Third

Credit Analyst - Healthcare

Nashville, TN · On-site

The Credit Analyst II is primarily responsible for partnering with Portfolio Managers, supporting the daily duties of underwriting and monitoring credit while performing analytical activities and ...

Raymondjames

Senior Municipal Credit Analyst

Memphis, TN · On-site

$130K - $175K/yr

Summary Candidate will analyze municipal credits across various sectors and across the credit spectrum in support of the firm's public finance banking, sales, underwriting, and trading teams. In the ...

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All JobsCredit Analyst JobsCredit Analyst Jobs in Tennessee

Credit Analyst information

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$13

$27

$44

How much do credit analyst jobs pay per hour?

As of Aug 20, 2026, the average hourly pay for credit analyst in Tennessee is $27.16, according to ZipRecruiter salary data. Most workers in this role earn between $20.96 and $30.53 per hour, depending on experience, location, and employer.

What does a credit analyst do?

A Credit Analyst evaluates the creditworthiness of individuals or businesses applying for loans or credit. They review financial statements, credit reports, and economic conditions to assess the risk of lending money. Based on their analysis, they make recommendations to approve or deny credit applications and may suggest terms for repayment. Their work helps financial institutions minimize losses and make informed lending decisions.

What does a credit analyst do?

As a credit analyst, you evaluate customer credit history to determine the risk level for giving out loans or lines of credit to clients. You’ll use statistical software to help you decide which clients are eligible for loans and which ones aren’t. Your job duties include analyzing your clients’ financial statements and credit history, establishing credit limits, informing clients of payment policies, and resolving disputes. Your decisions impact whether the bank or financial institution you work for makes money or loses money, so your responsibilities make you a crucial part of the team.

What are the key skills and qualifications needed to thrive as a credit analyst, and why are they important?

To thrive as a Credit Analyst, you need strong analytical skills, financial acumen, and typically a degree in finance, accounting, or a related field. Proficiency in financial modeling, Microsoft Excel, and experience with credit risk assessment software such as Moody’s or S&P Global Market Intelligence are highly valued. Excellent attention to detail, effective communication, and sound judgment are essential soft skills for assessing clients and presenting findings. These abilities ensure accurate credit evaluations, mitigate risk, and support informed lending decisions.

What are the typical challenges a credit analyst faces when evaluating complex loan applications?

Credit Analysts often encounter challenges such as incomplete financial information, inconsistent documentation, and the need to assess risk in rapidly changing market conditions. Evaluating applicants from diverse industries may require specialized knowledge to accurately interpret financial statements and cash flow projections. Strong analytical skills and effective communication with both clients and internal stakeholders are essential to resolve ambiguities and ensure sound credit decisions.

What is the difference between Credit Analyst vs Loan Officer?

AspectCredit AnalystLoan Officer
Required CredentialsBachelor's degree in finance, accounting, or related field; certifications like CFA or credit analysis coursesBachelor's degree in finance, business, or related; often requires mortgage or loan origination licenses
Work EnvironmentOffice setting, analyzing financial data, assessing creditworthinessOffice or branch, meeting clients, processing loan applications
Employer & Industry UsageBanks, credit unions, financial institutionsBanks, mortgage companies, credit unions

While both roles involve financial assessment, a Credit Analyst primarily evaluates credit data to determine risk, whereas a Loan Officer interacts directly with clients to approve and process loan applications. Understanding these differences helps in choosing the right career path or job search focus.

Are credit analysts paid well?

Credit analysts typically earn a competitive salary that varies based on experience, education, and location. According to industry data, the median annual wage for credit analysts is around $70,000, with higher earnings possible for those with advanced certifications or in senior roles. The profession often offers opportunities for bonuses and career advancement.

What qualifications do you need to be a credit analyst?

To become a credit analyst, candidates typically need a bachelor's degree in finance, accounting, economics, or a related field. Strong analytical skills, proficiency with financial analysis tools, and knowledge of credit reporting and risk assessment are also important. Some roles may require relevant certifications such as the Chartered Financial Analyst (CFA) or Credit Risk Certification.
More about Credit Analyst jobs

What are the most commonly searched types of Credit Analyst jobs in Tennessee?

The most popular types of Credit Analyst jobs in Tennessee are:

What are popular job titles related to Credit Analyst jobs in Tennessee?

For Credit Analyst jobs in Tennessee, the most frequently searched job titles are:

What job categories do people searching Credit Analyst jobs in Tennessee look for?

The top searched job categories for Credit Analyst jobs in Tennessee are:

What cities in Tennessee are hiring for Credit Analyst jobs?

Cities in Tennessee with the most Credit Analyst job openings:

What are popular job titles related to Credit Analyst jobs in TN?

For Credit Analyst jobs in TN, the most frequently searched job titles are:

Credit Analyst jobs near you
Infographic showing various Credit Analyst job openings in Tennessee as of August 2026, with employment types broken down into 87% Full Time, and 13% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $56,493 per year, or $27.2 per hour.

Credit Analyst

Independent Bank

Memphis, TN • On-site

Full-time

Re-posted 15 days ago

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

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