BLS metro-level wage data places Credit Analysts pay in Chattanooga, TN-GA at a median of $62,150 per year ($29.88/hr/hour), drawn from the OEWS May 2025 release for this Metropolitan Statistical Area. Compared to the national median of $83,510, Chattanooga pays 26% below, which typically tracks with a lower local cost of living or smaller specialized-employer cluster. Approximately 60 credit analystss are employed across the Chattanooga MSA in SOC 13-2041.

The Chattanooga pay distribution spans from $45,450 at the 10th percentile to $143,300 at the 90th — a 3.2× spread that reflects experience tenure, specialization, employer size, and the difference between public-sector, nonprofit, and private-sector compensation inside the metro. The 25th percentile sits at $56,300 and the 75th at $88,100, so half of Chattanooga-based credit analystss earn within that middle band.

Metro figures capture where you actually work, not just where you live — which matters for commuters. BLS draws metro boundaries from the OMB MSA definitions, so Chattanooga, TN-GA covers the central city plus outlying counties tied to the metro economically. Remember that OEWS wages reflect base pay only: employer-provided health insurance, retirement matches, stock options, signing bonuses, overtime, and tips are excluded and can add 20-40% to real total compensation. Before using this metro median as a negotiation anchor, triangulate against the same occupation's national profile (linked below), its state-wide TN data, and peer-metro comparisons — a median is a starting point, not a ceiling.