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Todd Watson has a solid work experience in the banking industry. Todd started their career at Regions Bank as a Loan Officer and Financial Advisor in 2007 and worked there until 2011. Todd then joined Farm Credit Mid-America as a Loan Officer, where they worked from 2011 to 2018. Todd continued their banking career at SimplyBank as a VP and Loan Officer from 2018 to 2021. Todd then moved to Peoples Bank of East Tennessee as a Vice President from 2021 to 2022. Currently, they hold the position of Senior Vice President at Citizens National Bank, starting from February 2022 present.

Todd Watson attended Bryan College from 2009 to 2010, where they obtained an MBA degree. Prior to that, they studied at the University of Tennessee, Knoxville from 2000 to 2004. At the University of Tennessee, Knoxville, they earned a Bachelor of Science degree with a major in Plant Science/Business Administration.