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Entry Level Credit Analyst Jobs in Tennessee (NOW HIRING)

First Horizon Bank

Credit Analyst II

Brentwood, TN · On-site

Credit Analyst II position will be expected to provide credit analysis support for assigned ... * Entry-level understanding of general bank operations and the commercial lending process

First Horizon

Credit Analyst II

Brentwood, TN · On-site

Credit Analyst II position will be expected to provide credit analysis support for assigned ... * Entry-level understanding of general bank operations and the commercial lending process

DeMoss Accounting & Bookkeeping

Be Seen First

Staff Accountant Entry Level

Chattanooga, TN · On-site

Prepare Bank and Credit Card reconciliations, Accounts Payable Bill Pay, Payroll and Sales ... Strong analytical and problem solving skills is required * Experience with Sage 50, QBO, QB Desktop ...

DeMoss Accounting & Bookkeeping

Be Seen First

Staff Accountant Entry Level

Chattanooga, TN · On-site

Prepare Bank and Credit Card reconciliations, Accounts Payable Bill Pay, Payroll and Sales ... Strong analytical and problem solving skills is required * Experience with Sage 50, QBO, QB Desktop ...

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All JobsCredit Analyst JobsEntry Level Credit Analyst JobsEntry Level Credit Analyst Jobs in Tennessee

Entry Level Credit Analyst information

See Tennessee salary details

$13

$27

$44

How much do entry level credit analyst jobs pay per hour?

As of Aug 7, 2026, the average hourly pay for entry level 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 are the key skills and qualifications needed to thrive as an entry level credit analyst?

To thrive as an Entry Level Credit Analyst, you need strong analytical abilities, a solid understanding of financial statements, and typically a bachelor's degree in finance, accounting, or a related field. Familiarity with financial modeling tools, Microsoft Excel, and credit analysis software is often required. Attention to detail, effective communication, and problem-solving skills are essential soft skills in this role. These competencies ensure accurate risk assessments, clear reporting, and effective decision-making in evaluating creditworthiness.

What does an entry level credit analyst do?

An Entry Level Credit Analyst is responsible for evaluating the creditworthiness of individuals or companies by analyzing financial data and credit reports. They help determine the risk involved in lending money or extending credit and may assist in setting credit limits or recommending loan approvals. Their role often involves preparing financial spreadsheets, reviewing credit applications, and supporting senior analysts in making informed decisions. This position is a great starting point for those interested in finance or banking, offering valuable experience in risk assessment and financial analysis.

What is the difference between Entry Level Credit Analyst vs Credit Underwriter?

AspectEntry Level Credit AnalystCredit Underwriter
Required CredentialsBachelor's degree in finance, accounting, or related field; basic knowledge of credit analysisBachelor's degree; often additional certifications like CFA or credit-specific training
Work EnvironmentOffice setting, analyzing financial data, preparing reportsOffice setting, assessing credit applications, making approval decisions
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending companies, financial services
Common Search & Comparison IntentUnderstanding entry-level roles in credit analysisComparing roles involved in credit approval process

Entry Level Credit Analysts typically focus on analyzing financial data and preparing reports to support credit decisions, often with less responsibility than Credit Underwriters, who evaluate and approve credit applications. Both roles require similar educational backgrounds and are common in financial institutions, but Credit Underwriters usually have more decision-making authority and specialized training.

What are some common challenges faced by entry level credit analysts in their first year, and how can they overcome them?

Entry level credit analysts often encounter challenges such as adapting to complex financial analysis tools, understanding industry-specific credit risk factors, and managing a high volume of loan applications under tight deadlines. To overcome these obstacles, it's helpful to seek mentorship from experienced colleagues, proactively participate in training sessions, and regularly review credit policies and case studies. Collaboration with senior analysts and open communication with team members can also accelerate learning and ensure accurate credit assessments.
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 Entry Level Credit Analyst jobs in Tennessee? For Entry Level Credit Analyst jobs in Tennessee, the most frequently searched job titles are:
What job categories do people searching Entry Level Credit Analyst jobs in Tennessee look for? The top searched job categories for Entry Level Credit Analyst jobs in Tennessee are:
What cities in Tennessee are hiring for Entry Level Credit Analyst jobs? Cities in Tennessee with the most Entry Level Credit Analyst job openings:
Entry Level Credit Analyst jobs near you
Infographic showing various Entry Level Credit Analyst job openings in Tennessee as of August 2026, with employment types broken down into 1% Internship, 79% Full Time, 19% Part Time, and 1% Contract. 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 II

First Horizon Bank

Brentwood, TN

Full-time

Medical, Dental, Vision, Retirement

Re-posted 18 days ago

First Horizon Bank rating

8.3

Company rating: 8.3 out of 10

Based on 31 frontline employees who took The Breakroom Quiz

39th of 170 rated banks

Job description

Location: On site at location listed in job posting.
SUMMARY
Credit Analyst II (CAII) position provides analytical support in underwriting/analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships.
Credit Analyst II position will be expected to provide credit analysis support for assigned commercial and corporate lending relationships.
Work will be completed within a high production-based environment and includes financial statement spreading into Bank software or templates, creating and updating loan requests in the Bank's loan production software, financial statement analysis, underwriting support, covenant monitoring, and industry research for commercial lending prospects/clients. A Credit Analyst II must be willing and capable of working proactively and independently while ensuring the credit quality of the portfolio. The ideal candidate has previous experience as a CA I or equivalent role, exposure to accounting or financial analysis, is detail-oriented, works well in a team-focused setting, and is comfortable balancing competing priorities in a deadline driven environment.
Essential Duties and Job Responsibilities:
  • Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I and commercial real estate loans.
  • Work proactively to ensure production is prioritized appropriately and completed in a timely manner. Specific tasks include financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank's commercial loan system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank's commercial loan policy.
  • Participate in relationship team meetings with management and credit partners to explain information in the analysis when warranted.
  • Analyze and prepare credit approval documentation in FHB's commercial loan system. Credit Analyst II is responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship in the commercial loan system.
  • Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations. Credit Analyst II is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines.
  • Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations
  • Participate in internal credit conversations with PM's, RM's Credit Officers and senior management and in external meetings with clients and prospects.
  • Participate in portfolio management projects.
  • The successful candidate will demonstrate consistently high level of ownership of portfolio management metrics and team initiatives, flexibility in responding to RM/PM/senior management and client deadlines, high level of detail and follow-through, and independence within the framework of the role in assisting in achieving business goals.
  • Performs all other duties as assigned

Supervisory Responsibilities
No supervisory responsibilities
Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:
  • Bachelor's degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience.
  • 1-2 years of experience or equivalent combination of education and experience related to Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred
  • Experience as a Credit Analyst II or equivalent role preferred.
  • Fundamental understanding of general bank operations and the commercial lending process.
  • Familiarity with the processes used to analyze financial data.
  • Highly organized and detail oriented
  • Ability to manage multiple priorities and adhere to deadlines while delivering a high-quality work product.
  • Entry-level understanding of general bank operations and the commercial lending process
  • Ability to understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with business unit teammates and leaders.

Computer and Office Equipment Skills:
  • Strong computer skills required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel
  • Experience with nCino applications is a plus

Certificates, Licences, Registrations:
None required
About Us
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com .
Benefit Highlights
• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
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