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Credit Com Jobs in Tennessee (NOW HIRING)

Summary Candidate will analyze municipal credits across various sectors and across the credit ... To view more details of the benefits offered, visit Myrjbenefits.com. At Raymond James our ...

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Credit Com information

What is a credit com analyst?

Credit Com analysts are professionals who assess credit data and financial statements of individuals or businesses to determine the risk involved in lending money or extending credit. They analyze financial histories, payment trends, and economic environments to make recommendations on creditworthiness. Their work helps financial institutions make informed lending decisions and minimize the risk of defaults. Credit Com analysts may also monitor existing accounts and update credit information as needed.

What skills and qualifications are needed to thrive as a credit committee member?

To thrive as a Credit Committee Member, you need a deep understanding of credit analysis, risk assessment, and financial regulations, typically supported by a background in finance or banking. Familiarity with credit scoring systems, financial modeling tools, and regulatory compliance platforms is commonly required. Strong decision-making, analytical thinking, and effective communication are vital soft skills for evaluating credit proposals and collaborating with stakeholders. These skills ensure sound credit decisions that minimize risk and support the organization's financial stability.

What challenges do credit compliance professionals face when ensuring adherence to regulations within financial institutions?

Credit Compliance professionals often navigate the complexity of evolving regulations and internal policies while balancing business objectives. A key challenge is staying up-to-date with frequent changes in laws such as the Fair Credit Reporting Act (FCRA) or anti-money laundering (AML) requirements, and translating these into actionable procedures. Additionally, they must coordinate with multiple departments—such as risk, underwriting, and legal—to ensure consistent compliance, which requires strong communication and project management skills. Addressing these challenges effectively helps protect the organization from legal risks and promotes a culture of ethical lending.

What is the difference between Credit Com vs Credit Analyst?

AspectCredit ComCredit Analyst
Required CredentialsHigh school diploma or equivalent; some roles may require post-secondary educationBachelor's degree in finance, economics, or related field; certifications like CFA can be beneficial
Work EnvironmentOffice settings, often in retail or financial institutionsOffice-based, working with financial data and reports
Employer & Industry UsageUsed in retail, banking, and credit companies for customer account managementCommon in banking, investment firms, and corporate finance for evaluating creditworthiness
Common Search & Comparison IntentUnderstanding entry-level credit rolesAnalyzing differences between credit-related positions

Credit Com roles typically focus on customer account management and basic credit processing, often requiring less formal education. Credit Analysts perform in-depth financial analysis to assess credit risk, usually needing a degree and relevant certifications. Both roles are vital in the credit industry but differ in complexity and responsibilities.

Infographic showing various Credit Com job openings in Tennessee as of August 2026, with employment types broken down into 1% As Needed, 75% Full Time, 18% Part Time, and 6% Contract. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution.

2607-3 Jr. Credit Officer

Tnbankers

Chattanooga, TN • On-site

$65 - $95/hr

Other

Posted 16 days ago


Job description

Evaluates the financial condition of individuals and businesses applying for consumer and commercial credit. Makes credit decisions within designated lending authority. Prepares loan presentation packages as required. Participates in Board presentations as required. Prepares and completes Annual Reviews as designated by Sr. Credit Officer or Chief Credit Officer.
Analyzes loan data on new, renewal and existing loans. Prepares spreadsheet, reports, summaries and Memos on new, renewal, and existing loans. Prepares presentation package for Executive Credit Committee and Board as needed. Assures all basic underwriting guidelines are met. Oversees and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts.Performs credit inquiries for the financial institution as requested. Establishes, reviews and updates new and existing loan files for the financial institution on a regular basis. Provides technical advice and assistance to loan officers throughout the Bank as needed. Maintains expertise in new and current analysis procedures. Maintains expertise in new and changing underwriting guidelines and industry regulations. Adheres to Bank credit standards and works constructively with and abides by credit department guidelines. Assists in the production of any required BOD reports, exception tracking and clear to close function. Maintains appropriate compliance tracking as required. Underwrite and decision Consumer, Mortgage and Commercial Loan Requests. Perform Loan Relationship Annual Reviews.

Full Time located in Chattanooga, TN office.

For more information and/or to apply, please email Lecia.Post@towercommunitybank.com.

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