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Chip Nelson has had a diverse work experience, starting in 1990 as the owner of a sports memorabilia store called Centerfield. From 1998 to 1999, they worked as a commercial lending associate at SunTrust Bank. In 1999, they joined Community Trust Bank as a VP and senior credit officer. In 2003, they became the EVP and chief credit officer at Affinity Bank, where they led the lending team, maintained lending policies, and supervised credit standards. Chip stayed with Affinity Bank until at least 2011, during which they also took on the role of chairman of the board at Mountain Area Christian Academy from 2012 to 2015.

Chip Nelson attended Kennesaw State University from 1993 to 1996, where they pursued studies in Business Administration and Management, General. Following that, from 1996 to 1998, they enrolled at the Georgia Institute of Technology and obtained a Bachelor of Science in Management, specializing in Finance.