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Credit Risk Associate Jobs in Knoxville, TN (NOW HIRING)

SmartBank

Consumer Credit Underwriter

Knoxville, TN · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... associates thrive. Recognized as a Great Place to Work , we believe our success starts with ... risk and determine creditworthiness. * Underwrite, structure, and monitor a variety of consumer ...

SmartBank

Consumer Credit Underwriter

Sevierville, TN · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... associates thrive. Recognized as a Great Place to Work , we believe our success starts with ... risk and determine creditworthiness. * Underwrite, structure, and monitor a variety of consumer ...

SmartBank

Consumer Credit Underwriter

Maryville, TN · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... associates thrive. Recognized as a Great Place to Work , we believe our success starts with ... risk and determine creditworthiness. * Underwrite, structure, and monitor a variety of consumer ...

First Horizon Bank

Retail Market Manager

Knoxville, TN

$47K - $59K/yr

Responsibilities include growing profitability, advice driven sales, associate coaching ... Manage loan pricing exceptions and credit exception requests. * Implement effective risk management ...

First Horizon Bank

Relationship Banker

Knoxville, TN · On-site

$17.75 - $23.25/hr

  • Medical

  • Dental

  • Vision

  • Retirement

... credit, and referrals to other lines of business within the Bank. • Growth Focus: Actively ... Support a high-performing culture by coaching associates on sales, referrals, products and services ...

First Horizon Bank

Relationship Banker

Knoxville, TN · On-site

$17.75 - $23.25/hr

  • Medical

  • Dental

  • Vision

  • Retirement

... credit, and referrals to other lines of business within the Bank. • Growth Focus: Actively ... Support a high-performing culture by coaching associates on sales, referrals, products and services ...

First Horizon Bank

Relationship Banker

Maryville, TN · On-site

$16.75 - $22/hr

  • Medical

  • Dental

  • Vision

  • Retirement

... credit, and referrals to other lines of business within the Bank. • Growth Focus: Actively ... Support a high-performing culture by coaching associates on sales, referrals, products and services ...

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Showing results 1-20

All JobsCredit Risk Associate JobsCredit Risk Associate Jobs in Knoxville, TN

Credit Risk Associate information

See Knoxville, TN salary details

$47.7K

$104.3K

$174.7K

How much do credit risk associate jobs pay per year?

As of Aug 17, 2026, the average yearly pay for credit risk associate in Knoxville, TN is $104,327.00, according to ZipRecruiter salary data. Most workers in this role earn between $71,600.00 and $135,500.00 per year, depending on experience, location, and employer.

What does a credit risk associate do?

A Credit Risk Associate is responsible for assessing and managing the risk that a borrower may default on a loan or credit obligation. They analyze financial statements, credit reports, and market data to evaluate the creditworthiness of individuals or companies. Their work helps financial institutions make informed lending decisions, set appropriate credit limits, and comply with regulatory requirements. Credit Risk Associates also monitor existing credit exposures and may recommend strategies to mitigate potential losses.

What skills and qualifications are needed to thrive as a credit risk associate?

To thrive as a Credit Risk Associate, you need strong analytical skills, attention to detail, and a solid understanding of financial statements, typically backed by a degree in finance, economics, or a related field. Familiarity with risk assessment software, credit modeling tools, and proficiency in Excel or similar data analysis programs are essential technical requirements. Strong communication, problem-solving abilities, and sound judgment help you effectively collaborate with stakeholders and make informed recommendations. These skills and qualities are crucial for accurately assessing creditworthiness and minimizing financial risk for the organization.

How does a credit risk associate typically collaborate with other teams within a financial institution?

Credit Risk Associates work closely with various departments, including front-office lending teams, compliance, and portfolio management. They regularly communicate with relationship managers to gather client information, and partner with data analysts to assess credit models and risk metrics. This collaborative environment ensures that credit decisions are well-informed and compliant with internal policies. Being proactive and communicative is key, as the role often requires balancing risk assessment with business growth objectives.

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

AspectCredit Risk AssociateCredit Analyst
Required CredentialsBachelor's degree, relevant certifications often preferredBachelor's degree, certifications like CFA or credit-specific courses beneficial
Work EnvironmentFinancial institutions, banks, credit agenciesBanks, investment firms, credit rating agencies
Employer & Industry UsageCommonly used in risk management teamsUsed in credit assessment and lending decisions
Comparison Search IntentUnderstanding risk roles in creditAnalyzing creditworthiness of clients

Both roles involve assessing credit-related information, but Credit Risk Associates focus on managing overall risk exposure, while Credit Analysts evaluate individual creditworthiness. The roles often overlap in skills and industry settings, making them closely related but distinct in scope.

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

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

What are popular job titles related to Credit Risk Associate jobs in Knoxville, TN?

For Credit Risk Associate jobs in Knoxville, TN, the most frequently searched job titles are:

What job categories do people searching Credit Risk Associate jobs in Knoxville, TN look for?

The top searched job categories for Credit Risk Associate jobs in Knoxville, TN are:

What cities near Knoxville, TN are hiring for Credit Risk Associate jobs?

Cities near Knoxville, TN with the most Credit Risk Associate job openings:

Credit Risk Associate jobs near you
Infographic showing various Credit Risk Associate job openings in Knoxville, TN as of June 2026, with employment types broken down into 1% As Needed, 68% Full Time, and 31% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $104,327 per year, or $50.2 per hour.

Consumer Credit Underwriter

SmartBank

Knoxville, TN • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 27 days ago

Job description

Looking to join a Great Place to Work Employer and become a valued member of our growing team? At SmartBank, we're not just offering a job; we're inviting you to be a part of a culture built on excellence.

At SmartBank, we're more than a financial institution-we're a team of passionate professionals committed to helping our clients, communities, and associates thrive. Recognized as a Great Place to Work, we believe our success starts with investing in our people and fostering a culture built on trust, integrity, collaboration, and excellence.

If you enjoy analyzing complex financial information, making sound credit decisions, and partnering with talented bankers across multiple markets, we invite you to explore our Consumer Credit Underwriter opportunity.

What You'll Do

As a Consumer Credit Underwriter, you'll play a critical role in helping SmartBank make responsible lending decisions that support our clients' financial goals while protecting the bank's credit quality. You'll evaluate consumer and private banking loan requests, analyze financial and credit information, and collaborate closely with Relationship Managers and lending teams throughout SmartBank's geographic footprint.

This position reports to the Consumer/Private Banking Credit Officer and requires strong analytical thinking, sound judgment, and a commitment to delivering exceptional internal and external service.

Key Responsibilities
  • Analyze consumer and private banking loan applications, credit reports, and financial information to assess risk and determine creditworthiness.
  • Underwrite, structure, and monitor a variety of consumer lending requests.
  • Review loan requests for compliance with SmartBank lending policies and product guidelines.
  • Serve as a trusted resource to Relationship Managers and lending teams regarding SmartBank products, processes, policies, and culture.
  • Partner with loan officers to facilitate accurate and timely credit decisions.
  • Compile, interpret, and communicate financial and credit data to support lending decisions.
  • Assist in evaluating and recommending consumer lending products, programs, and policies.
  • Maintain accurate loan documentation and records.
  • Collaborate with Compliance and Credit Administration teams to ensure proper documentation and regulatory adherence.
  • Uphold all applicable federal, state, and local regulations, including Bank Secrecy Act requirements.
  • Support additional departmental initiatives and projects as assigned.
What We're Looking ForEducation
  • Bachelor's Degree in a related field preferred.
Experience
  • Two or more years of consumer loan underwriting experience preferred.
  • Experience underwriting consumer and private banking loans is strongly valued.
  • Experience with the nCino platform is a plus.
Skills & Competencies

Successful candidates will demonstrate:

  • Strong analytical and critical thinking abilities.
  • Sound judgment and decision-making skills.
  • Excellent written and verbal communication skills.
  • High attention to detail and organizational skills.
  • Ability to prioritize multiple requests and deadlines effectively.
  • Strong customer service mindset and collaborative approach.
  • Ability to maintain the highest level of confidentiality and professionalism.
  • Proficiency with Microsoft Office applications, including Word, Excel, and Outlook.
  • Adaptability, positivity, and a willingness to embrace change.
  • A high level of integrity and personal accountability.
Why SmartBank?

At SmartBank, we believe in taking care of our associates so they can bring their best selves to work every day. We offer a comprehensive benefits package designed to support your health, financial well-being, professional growth, and work-life balance.

Eligible associates may enjoy:

  • Competitive salary and incentive opportunities
  • Medical, dental, and vision insurance
  • Health Savings Account (HSA) and Flexible Spending Account (FSA) options
  • Company-paid life insurance and disability coverage
  • 401(k) retirement plan with company match
  • Paid time off
  • 11 bank holidays
  • Professional development and continuing education opportunities
  • Associate wellness initiatives and engagement programs
  • Community involvement and volunteer opportunities

At SmartBank, we're committed to fostering a workplace where associates feel supported, appreciated, and empowered to grow both professionally and personally.

We believe banking is about relationships, and those relationships begin with our associates. We strive to create an environment where team members feel valued, empowered, and supported in both their professional and personal growth.

Work Environment

This position primarily operates in an office environment and may require:

  • Extended periods of sitting and computer use.
  • Frequent use of hands, wrists, and fingers for typing and data entry.
  • Participation in training sessions, meetings, and occasional travel.
  • Additional hours as business needs require.
Ready to Make an Impact?

If you're a detail-oriented credit professional who enjoys balancing analytical rigor with relationship-focused service, we'd love to hear from you.

Apply today and discover what makes SmartBank a Great Place to Work while helping us deliver exceptional banking experiences to the clients and communities we serve.

Apply