Top 3 Senior credit analyst Jobs in Knoxville Tn

Senior Credit Risk Analyst
VANTAGE CARD SERVICES INC —Knoxville, TN
- Full-time
- Microsoft Excel
- Office
- Residential
- Health savings account
- AD&D insurance
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Credit Analyst Sr
First Horizon Bank —Knoxville, TN
- Microsoft Outlook
- Writing skills
- Research
- Wellness program
- Health savings account

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Senior Credit Risk Analyst

VANTAGE CARD SERVICES INC
Knoxville, TN

Quick Apply

Job Details

Full-time

Benefits

Health savings account
AD&D insurance
Paid holidays
Disability insurance
Health insurance
Dental insurance
Flexible spending account
Employee assistance program
Vision insurance
401(k) matching
Employee discount
Life insurance

Qualifications

AI models
Automated underwriting system
Microsoft Excel
Machine learning/AI-based analysis
Serving clients
Tooling
Financial software
Microsoft Office
Asana
Credit card payment processing
ACH
Credit report review
CRM system proficiency
AI-driven automation
Technical Proficiency
Generative AI
Data analysis software

Full Job Description

About Inhabit

Inhabit operates a unique collective of tech-forward companies serving the residential, commercial, and short-term rental industries. Our team members deliver best-in-class software solutions and services while fostering innovation and collaboration with business leaders and industry experts. Inhabit believes that property managers are central to the success of the residential and short-term rental markets and delivers products built to empower them, their investors, and communities. Come help build the company you want to Inhabit. To learn more, visit inhabit.com.

Job Description Summary

As a Senior Credit and Risk Analyst, the primary responsibilities include identifying and reviewing credit and risk related activity. In this role you will complete investigations, account reviews and report findings to management. This role will focus on ensuring compliance, preventing risk, and mitigating losses for the company. You will also play an active role in the development and adoption of AI-powered risk tools, helping to shape how intelligent automation is integrated into our risk workflows.

What You’ll Do (Functions & Responsibilities)

Verify and assess merchant application information, including performing KYB, KYC, credit report review, and financial statement analysis to approve or decline applications
Leverage AI-assisted underwriting tools to accelerate application evaluation, surface risk indicators, and validate AI-generated outputs with sound human judgment
Monitor daily transactions to identify and investigate suspicious, fraudulent, or high-risk activity and escalate findings appropriately
Utilize AI-powered anomaly detection and transaction monitoring platforms to identify fraud signals and high-risk patterns at scale
Evaluate merchant portfolios for risk exposure, credit thresholds, and compliance with card brand rules and regulatory guidelines
Complete compliance reviews for new and existing clients to ensure adherence to PCI, AML, and other applicable standards
Collaborate with internal teams including Sales, Legal, Product, and Engineering to mitigate risk and ensure compliance across workflows
Partner in the development and refinement of AI-driven risk workflows; identify use cases for automation and contribute domain expertise to AI system design and improvement
Prepare detailed reports and risk assessments for management, including recommendations for risk mitigation and loss prevention
Apply generative AI tools to synthesize portfolio risk data, draft risk summaries, and enhance reporting efficiency
Support collections activities, chargeback analysis, and review of contractual risk language when applicable
Mentor analysts through guidance on risk models, investigative techniques, professional development, and responsible AI tool usage
Identify and implement process improvements for underwriting, risk management, and operational efficiency
Remain up to date on payment industry regulations, trends, AI developments in risk management, and best practices to proactively manage risk exposure
Actively engage with and help evaluate AI-powered risk tools and platforms as they are introduced
Participate in AI tool training and upskilling initiatives, maintaining a growth mindset toward emerging technology
Apply critical judgment to AI-generated outputs — knowing when to trust, when to question, and when to override automated recommendations
Contribute risk domain expertise to help define AI model inputs, flag potential bias or errors, and translate business needs into system requirements
Help establish guardrails and best practices for responsible AI use within the risk and compliance function

What We’re Looking For (Minimum Qualifications)

3–5 years’ experience in FinTech, payment processing, or risk management
Experience in the payments industry and awareness of current trends
Working knowledge of card brand rules and regulations (Visa, Mastercard, Amex, Discover)
Understanding of ACH and NACHA guidelines as they relate to payment processing and risk management
Transaction risk monitoring experience
Knowledge of and experience working with a mix of electronic payment types
Proficiency in reading and analyzing credit reports and financial documents
Excellent customer service skills
Strong technical skills including Excel, Asana, CRM solutions, banking software, and ticketing systems
Familiarity with AI/ML-powered fraud detection, risk monitoring platforms, or automated underwriting tools
Comfort working with AI-generated outputs and the judgment to validate, override, or escalate as appropriate
Experience using generative AI tools (e.g., ChatGPT, Microsoft Copilot) to improve workflow efficiency
Demonstrated integrity, good judgment, and strong decision-making abilities
Experience in one or more of the following:
Payments industry
Underwriting or risk management
Collections

Education Requirements

Bachelor’s Degree preferred or equivalent work experience

Type

Full Time, Salaried, Exempt

Location

Alpharetta, GA
We have an in-office work style, with most team members working in the office from Monday to Thursday and remotely on Friday.

Benefits Include

Competitive Pay
Health Insurance: Medical, Dental, Vision and Prescription Plans
Health Savings Accounts
Flexible Spending Account
Dependent Flexible Spending Account
Critical Illness
Accident
Retirement Savings Plan (401K) with discretionary company match
Short and Long Term Disability
Company Paid $25,000.00 Life Insurance
Supplemental Life and AD&D Insurance
Employee Assistance Program
Paid Holidays
Paid Vacation
Paid Volunteer Time
Inhabit Employee Discount Programs

Our Company is an Equal Opportunity Employer and complies with all federal, state, and local laws, including providing reasonable accommodation to applicants.

#Inhabithires

#LI-CB1

Quick Apply

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senior credit analyst jobs in knoxville tn

Senior Credit Risk Analyst

Credit Analyst Sr

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