Senior Credit Analyst — Commercial Lending & Risk Management

Millennium Bank; Chattanooga (TN); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Life & AD&D Insurance

Disability Insurance

401(k) with employer matching

Employee Assistance Program (EAP)

Paid time off

11 paid holidays

Job summary

Millennium Bank in Chattanooga is seeking an experienced Credit Analyst to evaluate creditworthiness of consumer and commercial borrowers, and prepare underwriting packages for loan structures that balance growth with prudent risk management.

The role requires strong financial modeling, cash flow analysis, and loan documentation skills, with 4–7 years in commercial credit analysis. This is an on-site position at our Tennessee location, with full benefits and growth opportunities.

Qualifications

• Bachelor's degree in finance, accounting, or economics; MBA/CFA a plus.
• 4–7 years of commercial credit analysis experience.
• Strong financial modeling and cash flow analysis skills.
• Experience underwriting CRE, C&I, or small business loans.
• Excellent written and analytical abilities.

Responsibilities

• Analyze financial statements, tax returns, cash flow, collateral to evaluate borrowers.
• Prepare comprehensive credit memorandums with risk assessments and loan structure recommendations.
• Evaluate new credit requests, renewals, extensions, and modifications.
• Review and assign credit risk ratings based on financial performance and risk factors.
• Monitor the commercial loan portfolio through annual reviews and covenant compliance.

Skills

Credit analysis

Financial modeling

Cash flow analysis

Underwriting

Education

Bachelor's degree in finance/economics

MBA or CFA a plus

Job description

Millennium Bank in Chattanooga is seeking an experienced Credit Analyst to evaluate creditworthiness of consumer and commercial borrowers, and prepare underwriting packages for loan structures that balance growth with prudent risk management.

The role requires strong financial modeling, cash flow analysis, and loan documentation skills, with 4–7 years in commercial credit analysis. This is an on-site position at our Tennessee location, with full benefits and growth opportunities.