risk analyst

Work Activities

Executive Service
RISK ANALYST
Department of Financial Institutions
Bank Division
Nashville, TN
Annual salary range: $78, $124,356.00
Closing Date: 11/23/2025
The position is primarily remote; however, the position may require statewide travel and may require out-of-state travel for training and development, as well as possible examination work.
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Background Check
This position requires a criminal background check. Therefore, you may be required to provide information about your criminal history in order to be considered for this position.
Who We Are And What We Do
The Department regulates banks, credit unions, trust companies, business and industrial development corporations, industrial loan and thrift companies, insurance premium finance companies, mortgage lenders, brokers, servicers and originators, title pledge lenders, check cashers, deferred presentment services companies, money transmitters and flexible credit act lenders. The Bank Division has legal responsibility for ensuring that the Tennessee state-chartered banking system runs on a safe and sound basis. The Divisions risk-focused approach seeks to achieve the Departments mission of balancing safety and soundness with affording institutions the opportunity to contribute to economic development. In its supervisory role, the Bank Division periodically examines the financial soundness of all state-chartered banks and independent non-depository trust companies.

How You Make a Difference In This Role
Our mission is to provide the people of Tennessee with a safe and sound system of financial institutions by ensuring compliance with law and giving institutions the opportunity to contribute to the economic progress of Tennessee. For non-deposit companies, our mission is to expand access to credit for consumers within the bounds of the law and operations guidelines by licensed companies. Our vision is to protect citizens by establishing a regulatory program that provides sound state financial services systems where institutions have the opportunity to succeed and serve their communities by encouraging commerce within legal and operational guidelines.

Job Overview
The Risk Analyst evaluates the condition of assigned institutions and serves as a strategic partner and primary point of contact with bank officials and directorates. The position works collectively with Department staff to employ regulatory balance, promote economic development, and encourage innovation in the Divisions supervisory activities of regulated institutions.

Key Responsibilities

• Serves as a strategic partner with bank officials and directorates to promote economic development as well as ensure practices, plans, and policies are in compliance with federal and state laws, rules, and regulations governing financial institutions
• Analyze, investigate and review bank processes, policies, financial trends, technical processes, procedures and activities
• Prepares reports and submits to the Chief Examiner, Assistant Commissioner, and/or Commissioner
• Continually monitors and evaluates the financial condition of assigned institutions through off-site monitoring, reviewing Reports of Examination and other supervisory documents prepared by Department staff, and information submitted by institution management
• Facilitates open discussion with federal counterparts, Department staff, and regulated institutions to ensure a balanced regulatory approach is employed
• Develops and recommends informal and formal plans and programs designed to address deficiencies and risks
• Communicates with bank officials and directorates to implement recommended plans
• Oversees the investigation and analysis needed to assist in the approval of any proposed and/or submitted applications for new services, or branches
• Prepares written responses to inquiries and requests from institutions.

Minimum Qualifications
Bachelors degree in finance, accounting and/or other related field with a minimum of five years of bank examination experience with a federal or state regulator. A minimum of nine (9) hours of accounting or finance required. A minimum of five years of supervisory, team leader or EIC experience. Successful completion of all core bank examination schools required. Valid motor vehicle license required.

Pursuant to the State of Tennessee's Workplace Discrimination and Harassment policy, the State is firmly committed to the principle of fair and equal employment opportunities for its citizens and strives to protect the rights and opportunities of all people to seek, obtain, and hold employment without being subjected to illegal discrimination and harassment in the workplace. It is the State's policy to provide an environment free of discrimination and harassment of an individual because of that person's race, color, national origin, age (40 and over), sex, pregnancy, religion, creed, disability, veteran's status or any other category protected by state and/or federal civil rights laws.