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Credit Risk Analyst Jobs in Chattanooga, TN (NOW HIRING)

Tower Community Bank

Credit Officer

Chattanooga, TN · On-site

Strong credit management and credit analysis skills, with the ability to assess borrower risk and structure appropriate credit solutions. * Proficient analytical skills and finance knowledge to ...

WESBANCO

Business Banker

Chattanooga, TN · On-site

Analyzes financial statements, cash flow, credit risk, and collateral to support sound credit ... Formal credit training with knowledge to interpret financial reports and analysis. Small business ...

WesBanco Bank, Inc.

Business Banker

Chattanooga, TN · On-site

Analyzes financial statements, cash flow, credit risk, and collateral to support sound credit ... Formal credit training with knowledge to interpret financial reports and analysis. Small business ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Chattanooga, TN

Credit Risk Analyst information

See Chattanooga, TN salary details

$33.7K

$103.7K

$179.8K

How much do credit risk analyst jobs pay per year?

As of Sep 8, 2026, the average yearly pay for credit risk analyst in Chattanooga, TN is $103,692.00, according to ZipRecruiter salary data. Most workers in this role earn between $75,100.00 and $127,900.00 per year, depending on experience, location, and employer.

What does a credit risk analyst do?

A Credit Risk Analyst assesses the creditworthiness of individuals or organizations by analyzing financial data, credit reports, and economic conditions. Their main goal is to determine the likelihood that a borrower will default on their financial obligations. They use statistical models, risk assessment tools, and industry knowledge to evaluate risk and help lenders make informed lending decisions. Credit Risk Analysts often prepare reports, recommend risk mitigation strategies, and monitor existing credit portfolios for potential risks.

What does a credit risk analyst do?

A credit risk analyst evaluates the creditworthiness of individuals or businesses seeking loans or credit cards. As a credit risk analyst, you must be systematic and thorough in examining each applicant’s financial information to provide a recommendation of whether or not your employer should grant credit to the applicant. Essentially, you are evaluating the risk to reward ratio of each loan applicant. Your job duties include the analysis of credit scores and credit reports, payment history, bank statements, and other financial statements. Depending on the scope of your job, you may collect this information directly from clients and inform them if the institution can approve or deny their credit or loan application.

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

To thrive as a Credit Risk Analyst, you need strong analytical skills, a solid understanding of financial principles, and typically a degree in finance, economics, or a related field. Familiarity with risk assessment tools, statistical software (such as SAS or R), and financial modeling systems is often required, along with relevant certifications like FRM or CFA being advantageous. Attention to detail, effective communication, and sound judgment are essential soft skills for presenting findings and collaborating with stakeholders. These competencies are crucial for accurately assessing creditworthiness, minimizing financial risk, and supporting informed lending decisions.

What are some common challenges faced by credit risk analysts when assessing new clients or loan applications?

Credit Risk Analysts often encounter challenges such as limited financial data, rapidly changing market conditions, and the need to balance risk with business growth objectives. They must carefully analyze incomplete or inconsistent client information while ensuring compliance with regulatory requirements. Collaborating with relationship managers and other departments is essential to gather additional insights and make informed recommendations, making strong communication and analytical skills crucial in overcoming these challenges.

What is the difference between Credit Risk Analyst vs Credit Analyst?

AspectCredit Risk AnalystCredit Analyst
Primary FocusAssessing the risk of default on loans and credit productsEvaluating creditworthiness of individual or business applicants
Required CredentialsTypically a degree in finance, economics, or related field; certifications like CFA or credit-specific coursesSimilar credentials; often the same certifications or degrees
Work EnvironmentFinancial institutions, risk management departmentsBanks, lending institutions, credit departments
Industry UsageCommonly used in risk assessment and managementPrimarily in lending and credit evaluation

While both roles involve evaluating credit, a Credit Risk Analyst focuses on assessing the overall risk associated with credit portfolios, whereas a Credit Analyst evaluates individual credit applications. The roles often overlap in credentials and work environment, but their specific focus differs within the credit industry.

How much does a credit risk analyst earn?

The average salary for a credit risk analyst typically ranges from $60,000 to $90,000 annually, depending on experience, location, and industry. Entry-level positions may start lower, while experienced analysts with certifications can earn higher salaries and bonuses.

Is a credit risk analyst entry level?

A credit risk analyst can be an entry-level position, often requiring a bachelor's degree in finance, economics, or related fields. Some roles may require prior internship experience or familiarity with financial analysis tools, but many companies offer training for new graduates. Advancement typically depends on experience, skills, and certifications such as the CFA or credit analysis courses.

What is the average salary of a Credit Risk Analyst?

The average salary of a Credit Risk Analyst typically ranges from $60,000 to $85,000 per year, depending on experience, location, and industry. Professionals in this role often require strong analytical skills and knowledge of financial modeling tools.
More about Credit Risk Analyst jobs

What are the most commonly searched types of Credit Risk Analyst jobs in Chattanooga, TN?

The most popular types of Credit Risk Analyst jobs in Chattanooga, TN are:

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

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What cities near Chattanooga, TN are hiring for Credit Risk Analyst jobs?

Cities near Chattanooga, TN with the most Credit Risk Analyst job openings:

Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Chattanooga, TN as of August 2026, with employment types broken down into 1% As Needed, 85% Full Time, 11% Part Time, and 3% Contract. Highlights an 89% Physical, 3% Hybrid, and 8% Remote job distribution, with an average salary of $103,692 per year, or $49.9 per hour.

Sr SAS Analyst/Risk Analyst for Fulltime

Reliable Software Resources Inc

Cleveland, TN

Full-time, Contractor

Re-posted 9 days ago

Key responsibilities

  • Develop credit and fraud policies based on statistical modules and business knowledge.

  • Analyze internal and external data to provide management with recommendations on loan extension, revenue growth, and fraud reduction.

  • Collaborate with data teams and support new product roll-outs to facilitate data-driven decision making.

Job description

Company Description

Organizations today are not only challenged by the constantly changing and emerging technologies, but are also confronted with difficulties in acquiring adequate human resources to meet the dynamics of the different IT Project initiatives. It becomes imperative to any business organization to utilize the most cost-effective ways of acquiring talent for immediate and long-term projects with a specific or niche skill set.


Since our inception, Reliable Software has been offering IT consulting services to the clients which enable them to maximize their IT investment and that has made us extremely competent enough to work on any IT consulting project for any industry domain. We offer world-class business solutions leveraging widely accepted strategies and technologies on different platforms and these services come at competitive rates. We design end to end business solutions from conceptualization to implementation as per the client's requirements.

To acquire strategic skills in a timely and cost-effective manner, many companies turn to Reliable Software for quality IT resource management. Reliable Software has the ability to quickly respond to technology initiatives by strategically acquiring skills and managing available resources. With customers ranging in size from startups to Fortune 500 enterprises, we understand the ever increasing need for talented IT professionals in the development of new technologies. Reliable Software is in business to help you maintain your competitive advantage by cost-effectively delivering highly skilled consultants when and how you need them most.


Reliable Software helps you address technical resource requirements with contract services. We invite you to see the difference working with Reliable Software and our strength is in our people and we are ready to work hard for you. Our broad portfolio of solutions enables us to meet your specific staffing requirements across all technologies and domains and below is the list

Job Description

Greetings from Reliable Software Resources Inc!!!


This is Sreekanth G from Reliable Software Resources Inc and I am writing to see whether you are interested in an exciting/challenging opportunity at Cleveland, TN Onsite.

Our client is interested in hiring a Sr SAS Analyst/Risk Analyst who can use SAS, Financial and Credit Policy.

Please let us know whether you would like to be considered. We hope you do as this is truly a great opportunity to make a difference. If you are interested please respond back to this e-mail with your updated resume and a summary of your key skills and the compensation you are looking for. You can also reach me at 248-237-7009.

The details of the position are as mentioned below:

Kindly find the JD below for your reference

Title: Sr SAS Analyst/Risk Analyst

Location: Cleveland, TN

Duration: Long term

Term: Contract / Fulltime 

Interview Process: Phone then Skype/On-Site

Remote Option: No

Required: Tasks & Duties

Excellent communication Skills are required 

Top 3 Skills: 

1. Must have experience developing credit and fraud policies

a. They will need to have taken modules and statistics and apply them into a policy

2. SAS experience

3. Must have financial or banking experience. 

They needs someone with strong SAS experience but also good business knowledge. The main thing is this person needs to know how to develop policies. Therefore they have to have a financial background.

 Job Description:

Check into Cash is looking for a Sr level resource to join their growing team on a 6 month contract basis. This candidate needs to be very knowledgeable in the financial or banking industry. They must know how to develop credit and fraud policies. This person has to have SAS experience and must be high level. This includes: Analyze internal and external data in order to provide management with informed and well-defended recommendations on how to extend loans quickly and profitably both on-line and in-store. Develop new tools, leverage a variety of statistical techniques, and explore new sources of data that will help identify new customers, drive revenue growth, reduce fraud and credit losses.   

Principal Duties and Responsibilities (Essential Functions)

1. Develop credit policy across the loan life cycle. 

2. Identify opportunities to increase customer acceptance. 

3. Optimize the application traffic to growth revenue and manage credit and fraud losses. 

4. Work closely with members of the Data Warehouse, Model Development team and Decision Support teams in order to facilitate the creation of accurate, meaningful data for business analytics.

5. Work across different functions to support new product roll-outs.

Ensure all

If interested, please send a reply with your Updated Resume


Additional Information

All your information will be kept confidential according to EEO guidelines.

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