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

Shaw Industries Inc

Financial Manager

Dalton, GA · On-site

Assure the company's credit policies, practices, and procedures are carried out in a manner that ... Effectively analyze and understand all aspects of bonds, bond claim filings, preliminary notice ...

Career Search

Senior Accountant

Chattanooga, TN

$67K - $84K/yr

Assignments may include financial statement audits as well as risk-based internal audits for the ... Utilizes analytical skills to perform review functions as well as identify issues not discovered at ...

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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 Aug 14, 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 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 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 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 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 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.

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

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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 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $103,692 per year, or $49.9 per hour.

Mortgage Post-Closing Manager

TENNESSEE VALLEY FEDERAL CREDIT UNI

Chattanooga, TN • On-site

$13.25 - $17/hr

Full-time

Re-posted 8 days ago

Job description

JOB SUMMARY:
The Mortgage Post-Closing Manager is responsible for overseeing all post-closing functions for the real estate lending department and serves as the primary point of contact for the credit union's subservicer, supporting both operational and member-related servicing needs. This role ensures loan files are complete, compliant, and delivered within investor and regulatory timelines; manages servicing retention and loan boarding; and maintains operational accuracy. The manager must possess strong expertise in agency delivery and servicing requirements to ensure quality, compliance, and efficiency across all post-closing operations.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
  • Direct and manage the post-closing workflow ensuring files are complete, accurate, and compliant.
  • Oversee collection, reconciliation, and delivery of trailing documents such as recorded mortgages, assignments, title policies, and subordinations.
  • Implement and maintain effective quality control processes to minimize post-closing defects and investor conditions.
  • Monitor the post-closing pipeline, ensuring timely resolution of exceptions and meeting delivery timelines to support liquidity and operational flow.
  • Oversee the accurate boarding of real estate loans ensuring correct setup of escrow accounts, variable rate structures, payment schedules, MI details, and draw features.
  • Monitor servicing performance indicators including first payment defaults, delinquency trends, escrow variances, HELOC utilization, and quality of servicing setup.
  • Act as the main liaison between the credit union and the subservicer for all servicing-related matters.
  • Support proper reporting, remittances, escrow administration, document retention, and custodial account compliance for agency loans.
  • Ensure compliance with NCUA, Fannie Mae, Freddie Mac, FHA/VA, state regulatory requirements, and investor guidelines.
  • Stay informed of industry changes affecting post-closing, loan delivery, and servicing standards.
  • Create and maintain operating procedures for post-closing, investor delivery, loan boarding and investor servicing requirements.
  • Lead, mentor, and manage a team, ensuring strong performance, process efficiency, and cross-training across all post-closing functions.
  • Proactively demonstrate the TVFCU core values of integrity, honesty, flexibility, teamwork, leadership, accountability and strong relationships in every interaction with members.
  • Perform other duties as assigned.

EDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS:
  • Bachelor's degree in business, finance, or related field preferred.
  • 3+ years of experience in mortgage post-closing, secondary marketing, or servicing operations.
  • Hands-on experience with agency and government loan delivery and servicing requirements.
  • Prior leadership experience managing staff within mortgage operations.
  • Experience servicing or working with or managing a mortgage subservicer strongly preferred.
  • High level of accuracy, attention to detail, and analytical skillset.
  • Excellent organizational, communication, and time-management abilities.

If you are considered for an offer of employment at TVFCU, you must successfully complete a pre-employment screen that includes:
  • Verification of education, employment and other pertinent data included on your employment application, and eligibility to work in the United States
  • Criminal background check and drug screening
  • Pre-employment credit check required

Pre-employment screening helps TVFCU provide a safe environment for our members and employees, minimize risk, and ensure federal compliance.

Apply