Credit Analyst II

Job ID: 517960 Location: CHATTANOOGA, TN Regular/Temporary:

External - Posting Description

Credit Analyst II - 517960

Organization: Finance

Department: Credit, Insurance, & Portfolio Risk

Work Location: Chattanooga or Knoxville, Tennessee

Relocation: Relocation benefits are not offered for this position

Posting Open: 12/08/2025

Posting Close: 12/28/2025 at 11:59 PM EST

Salary: Competitive

POSITION PURPOSE

This position is responsible for analyzing the creditworthiness of TVA’s counterparties (customers, suppliers, and vendors); and implementing mitigation strategies when applicable, to reduce credit and performance risk to TVA. This position will serve as an experienced credit consultant to senior management in assigned TVA organizations for the interpretation and application of TVA’s corporate credit policy.

PRINCIPAL ACCOUNTABILITIES

- Experienced credit professional with a defined area of expertise, performs quantitative and qualitative analysis of counterparty financial statements and other credit-related information.

- Develops and implements strategies to resolve credit issues and initiates steps to mitigate credit and performance risk.

- Prepares a detailed and comprehensive written analysis of counterparty creditworthiness for management and supporting business units.

- Exercises autonomy in the establishment of counterparty credit limits and exposures. Regularly utilizes professional judgment and decision making skills in the identification and calculation of current and potential exposure.

- Implements systems and procedures to monitor counterparty creditworthiness on an on-going basis.

- Negotiates contractual credit clauses and financial assurance language in various commodity contracts. Possesses a working knowledge of contract law and bankruptcy.

- Determines collateral arrangements and negotiates parent guarantees, standby letters of credit and deposit agreements with counterparties. Maintains collateral documents and credit files.

- Utilizes broad industry knowledge to respond rapidly to changing credit quality or market conditions. Issues reports and updates to management when conditions and exposures warrant.

- Independently utilizes credit research tools and models to enhance TVA’s analytical process.

- Supports the compliance of TVA’s credit policy and accounting practices.

- Responsible for supporting the Financial Services organization on various agency-wide projects and teams.

MINIMUM REQUIREMENTS

Education — Bachelors degree in Finance, Accounting, or a closely related field of study; or equivalent education, training & experience. A master’s degree is desirable.

Experience — Three to five years of experience in commercial banking, credit, finance, or risk management with a electric/gas utility, coal industry or commodity trading operation.

Certification/License, etc — None

Knowledge/Skills/Abilities — Requires working knowledge and practice of accounting and financial management. Must have a thorough knowledge of credit, finance, and general business. Prior utility and commodity experience is desired. Experienced problem solver. Proficient in spreadsheets, databases and data analysis and graphics. Must have excellent written and oral communication skills. Candidate may be required to obtain and maintain a security clearance based on position / access requirements and essential job functions.

Equal Employment Opportunity

TVA is an Equal Opportunity employer and complies with all applicable laws and regulations regarding equal employment opportunities. Any applicant or employee who believes s/he has a discrimination claim (including harassment or retaliation) must contact TVA’s Equal Opportunity Compliance office within 45 calendar days of the event or action s/he believes to constitute discrimination, harassment, or retaliation.

Drug-Free Workplace

All TVA Non-Nuclear employees are covered by TVA's Federal Drug-Free Workplace Program Plan, in accordance with Executive Order 12564, Public Law 100-71 and the Mandatory Guidelines for Federal Workplace Drug Testing. Information regarding the Drug Free Workplace Program can be found at www.samhsa.gov/workplace. TVA Non-Nuclear employees in Testing Designated Positions, including those performing safety-sensitive duties are also subject to random drug testing. TVA Nuclear employees are subject to random alcohol and drug tests in accordance with 10 CFR Part 26 as mandated by the Nuclear Regulatory Commission (NRC).

How to Claim Vet Preference

If you are requesting to be considered as a preference-eligible veteran as outlined in the application process, you must submit your military documents before the posting close date indicated above. Be sure to include all supporting documentation: Form DD214 (member 2 or member 4 copy), a Veterans Disability Rating Letter from the VA (if applicable), and a completed form TVA 3595. If you will not get your DD214 until you are separated or retired, you can request a Statement of Service through your military personnel office. The Statement of Service must list your dates of military service, character of service, expected date of separation and any service-connected disability rating that you have been awarded from your branch of military service. Please submit your military documents each time you apply for a position.

How to Submit Documentation:

- Upload documents in Step 7 of the application process.

- Email documents to careers@tva.gov

More information about preference eligibility and a link to form TVA 3595, can be found at https://www.tva.gov/Careers/Claiming-Veteran-Preference. If you have a question about preference eligibility, please email Careers@tva.gov.