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Entry Level Credit Risk Analyst Jobs in Tennessee

Cypress HCM

Credit Analyst

Nashville, TN · On-site

$20 - $22.76/hr

The Credit Analyst will collaborate with other departments to ensure accurate and timely credit decisions, and provide insights to manage risk and support financial stability. The Credit Analyst ...

Fifth Third Bank

Credit Analyst II

Nashville, TN · On-site

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right ...

Fifth Third Bank

Credit Analyst II

Nashville, TN · On-site

The Credit Analyst II is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling. The Credit Analyst II is expected to build proficiency in underwriting ...

Fifth Third

Credit Analyst II

Nashville, TN

The Credit Analyst II is knowledgeable on financial and risk analysis and demonstrates proficiency in financial modeling. The Credit Analyst II is expected to build proficiency in underwriting ...

Fifth Third

Credit Analyst II

Nashville, TN

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right ...

AppleOne

Commercial Credit Manager

Memphis, TN

$90K/yr

... risk assessments using financial modeling and quantitative analysis - Partner with sales teams while maintaining authority over credit decisions - Build and maintain customer accounts in ERP system ...

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

GovX

Risk Mitigation Associate - Fraud

La Vergne, TN · On-site

$20 - $23/hr

The Risk Mitigation Associate - Fraud is a full-time position responsible for supporting GOVX ... Support: Investigate, analyze, and resolve chargeback cases; gather documentation to dispute ...

GOVX

Risk Mitigation Associate - Fraud

La Vergne, TN

$41K - $47K/yr

The Risk Mitigation Associate Fraud is a full-time position responsible for supporting GOVXs ... Support: Investigate, analyze, and resolve chargeback cases; gather documentation to dispute ...

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Entry Level Credit Risk Analyst information

See Tennessee salary details

$33.6K

$103.4K

$179.3K

How much do entry level credit risk analyst jobs pay per year?

As of Jun 22, 2026, the average yearly pay for entry level credit risk analyst in Tennessee is $103,360.00, according to ZipRecruiter salary data. Most workers in this role earn between $74,900.00 and $127,500.00 per year, depending on experience, location, and employer.

What are the typical daily responsibilities of an Entry Level Credit Risk Analyst?

As an Entry Level Credit Risk Analyst, your daily tasks typically include gathering and analyzing financial data, evaluating the creditworthiness of loan applicants or counterparties, and preparing risk assessment reports. You'll often assist senior analysts in developing credit risk models and support the credit approval process by summarizing your findings for management review. Collaboration with colleagues in underwriting, portfolio management, and compliance is common, so you'll have the opportunity to learn from various teams. This role provides a solid foundation in risk analysis and offers significant exposure to financial and credit decision-making processes.

What are the key skills and qualifications needed to thrive in the Entry Level Credit Risk Analyst position, and why are they important?

To thrive as an Entry Level Credit Risk Analyst, you need strong analytical and quantitative abilities, a bachelor's degree in finance, economics, or a related field, and a keen attention to detail. Familiarity with Excel, financial modeling tools, and risk assessment software, as well as knowledge of databases and possibly SAS or Python, is often required. Excellent communication, time management, and problem-solving skills help you interpret data and present findings effectively. These skills ensure accurate risk evaluations, sound decision-making, and effective collaboration within credit risk teams.

What does an Entry Level Credit Risk Analyst do?

An Entry Level Credit Risk Analyst evaluates financial data to assess the creditworthiness of individuals or businesses. They analyze credit reports, financial statements, and payment histories to identify potential risks. Their role supports risk management strategies by helping companies make informed lending or investment decisions. Additionally, they may assist in maintaining risk models and ensuring compliance with internal policies and industry regulations. Strong analytical skills, attention to detail, and proficiency in financial tools are essential for success in this role.

What are the most commonly searched types of Credit Risk Analyst jobs in Tennessee? The most popular types of Credit Risk Analyst jobs in Tennessee are:
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What cities in Tennessee are hiring for Entry Level Credit Risk Analyst jobs? Cities in Tennessee with the most Entry Level Credit Risk Analyst job openings:
Entry Level Credit Risk Analyst jobs near you
BSA Coordinator - High Risk Analyst

BSA Coordinator - High Risk Analyst

Ascend Federal Credit Union

Tullahoma, TN • On-site

Full-time

Posted 13 days ago

Job description

ABOUT US
Ascend is the largest credit union in Middle Tennessee and one of the largest credit unions in the United States, with over $4 billion in assets. With an occupation-based field of membership, Ascend is focused on the expansion and diversification of the select employee groups it serves, which creates greater security for the credit union and its member-owners. Approximately 650 employees serve more than 260,000 members from 27 Middle Tennessee branch locations, Regional Operations Center, Teller Center and Corporate Headquarters. Ascend recognizes that its employees are critical to the credit union's sustained success and future growth. Our employees are the face of the credit union and their personal successes fuel the success of the team. Through collaboration between employees, management, our membership and our Board, we fuel an engine that propels the credit union forward.
WHAT WE OFFER
Thank you for your interest in a career with Ascend Federal Credit Union! Being employed by Ascend is vastly different than just holding a job. The credit union prides itself on providing employees rewarding career opportunities, competitive benefits and a unique work culture. The credit union's commitment to its employees is fostered by its commitment to the member-owners, ensuring dedicated and engaged employees to serve the membership. Ascend's vision to be the most loved credit union in our market by employees and members alike has earned the credit union distinctions including Federal Credit Union of the Year (NAFCU, 2015), Best Credit Union to Work For (2016-2022) and Training APEX Awards (2015-2023).
WHAT YOU WILL DO EVERYDAY
As BSA High Risk Analyst, you will be responsible for overseeing the identification, monitoring, and management of high-risk members and entities to ensure full compliance with Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) regulations, and Office of Foreign Assets Control (OFAC) requirements. Your primary focus will be on executing Enhanced Due Diligence (EDD), maintaining rigorous high-risk monitoring protocols, and managing sanctions compliance. You will play a critical role in ensuring that member risk ratings accurately align with their activity and overall risk exposure. Additionally, the role will strengthen the credit union's compliance framework by evaluating the effectiveness of risk models, scoring methodologies relating to high-risk members, and monitoring systems.
HOW YOU WILL MAKE AN IMPACT
  • Identify and manage high risk members throughout the member lifecycle, including onboarding, periodic reviews, and ongoing monitoring.
  • Perform and document member due diligence and enhanced due diligence reviews to understand the nature, purpose, and expected activity of high risk relationships.
  • Maintain ownership of assigned high risk portfolios, ensuring reviews are completed timely and documentation is complete and audit ready.
  • Validate member risk ratings based on transactional behavior, stated sources of funds, member profile information, and identified risk factors.
  • Review and investigate Anti-Money Laundering alerts and cases associated with high risk members.
  • Determine when activity warrants escalation and the filing of Suspicious Activity Reports.
  • Prepare and file Suspicious Activity Reports and supporting documentation within regulatory timeframes, including clear investigative narratives and conclusions.
  • Maintain complete documentation supporting decisions to file or not file Suspicious Activity Reports.
  • Conduct enhanced sanctions reviews for high risk members and escalated alerts.
  • Investigate potential matches, document findings, and determine appropriate disposition using independent judgment.
  • Coordinate escalation and required reporting of confirmed or potential matches.
  • Ensure ongoing sanctions compliance, including reviews tied to material changes in member relationships.
  • Use the credit union's BSA/AML monitoring system to assess and manage member risk, including: Member Due Diligence/Enhanced Due Diligence workflows and case management, member risk categories and member segmentation, and member risk categories and member segmentation.
  • Review reports related to high risk members, including: missing or incomplete due diligence documentation, unmatched or inconsistent member data, overdue or missing Enhanced Due Diligence review dates, beneficial ownership status, and quality assurance or secondary review outcomes.
  • Collaborate with BSA leadership to recommend enhancements to: risk categories and segmentation, risk factors and scoring thresholds, monitoring logic related to high-risk members, and participate in testing, validation, and documentation of changes to high risk risk models and scoring methodologies.
  • Work closely with the Business Banking department to ensure appropriate due diligence is completed for business members, including initial onboarding, enhanced due diligence, and periodic reviews.
  • Partner with various levels of staff to obtain, review, and validate required Customer Due Diligence documentation, including business purpose, ownership structure, beneficial ownership, and source of funds information.
  • Assist the Business Banking department in identifying business members that meet high risk criteria and require elevated monitoring or enhanced review.
  • Provide guidance to staff on BSA/AML expectations related to high risk industries, entity structures, products, services, and transactional activity.
  • Ensure business member risk ratings accurately reflect member activity, risk factors, and the nature and purpose of the relationship.
  • Coordinate follow ups for missing, outdated, or incomplete due diligence documentation and ensure timely resolution.
  • Support consistent application of risk based due diligence standards across departments while maintaining BSA's independent review role.
  • Prepare high risk member metrics, summaries, and reports for management, committees, auditors, board members, and regulators.
  • Serve as a subject matter resource to internal teams on high risk member management and expectations.
  • Assist with training and cross training of BSA staff related to Enhanced Due Diligence standards, high risk typologies, and system workflows.
  • Stay current on emerging financial crime risks, regulatory guidance, and examination expectations.
  • Read all internal publications including HUB and Possibilities.
  • Perform other duties as required or assigned.

WHAT YOU WILL NEED TO SUCCEED
Education
  • Bachelor's Degree in Criminal Justice, Finance, Business, or a related field is required

Work Experience
  • 3-5 years of BSA/AML experience required, including high risk customer (member) management and SAR decisioning in a financial institution is required
  • BSA/AML certification is highly preferred; candidates without certification must successfully obtain it within the first 12 to 18 months of employment is required
  • OFAC and sanctions screening experience is strongly preferred

Knowledge, Skills, and Abilities
  • Deep understanding of the Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC requirements, and Anti-Money Laundering (AML) regulations.
  • Ability to use critical thinking skills in order to break down problems, gather information and stay focused on objectives in an effective and efficient manner.
  • Ability to organize and prioritize work with minimum supervision.
  • Must possess a high degree of poise and tact to represent the credit union positively in outside contacts and employees.
  • Possess excellent verbal and written communications skills.
  • Must possess and maintain a valid, unrestricted driver's license.
  • Working knowledge of computer programs including Word Perfect, Microsoft Word, Microsoft Outlook, and Excel. Must be able to be trained on surveillance and access control systems. Must be proficient in internet navigation.
  • Must be able to operate or have the ability to be trained to operate related office equipment, including calculator, computer terminal (PC), multifunction copier, telephone, fraud fighter, and typewriter.
  • Regular and reliable attendance is required.

CONNECT WITH US
Connect with us on social media such as Facebook, Twitter, Instagram, and LinkedIn Ascend Federal Credit Union is an Equal Opportunity Employer

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