Credit Analysts
Analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. Prepare reports with credit information for use in decisionmaking.
A wage reference for United States.
Published wage percentiles describe a distribution within the source occupation group. They provide context for a career decision; employer packages and job offers have their own terms.
This wage group may include multiple detailed occupations. The figures are for the source group, which may be broader than Credit Analysts. They are not an exact-title, employer, experience or seniority match.
May 2025 · USD · United States. Annual and hourly figures are shown only when the source publishes them; neither is calculated from the other.
U.S. Bureau of Labor Statistics occupational wage data, distributed through the O*NET® OnLine service.
Annual wage thresholds
USD per year
Hourly wage thresholds
USD per hour
| Percentile | Annual wage (USD/year) | Hourly wage (USD/hour) |
|---|---|---|
| 10th | $56,250 | $27.04 |
| 25th | $65,210 | $31.35 |
| 50th · Median | $83,510 | $40.15 |
| 75th | $122,460 | $58.88 |
| 90th | $169,230 | $81.36 |
“≥” means at least the published amount; “≤” means at most that amount. These are bounds, not exact values. “Not published” means the source did not provide that figure. Occupational wages follow the source definition and do not establish an employer’s base salary, equity or total compensation.
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Compare 51 state/DC wage marketsWhat this career involves.
Occupation definitions describe common work. Responsibilities and requirements vary by employer and specific job.
Selected title examples
Expand more title examples (9)
Typical tasks
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
- Generate financial ratios, using computer programs, to evaluate customers' financial status.
- Prepare reports that include the degree of risk involved in extending credit or lending money.
- Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
- Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
Expand more tasks (5)
- Consult with customers to resolve complaints and verify financial and credit transactions.
- Contact customers to collect payments on delinquent accounts.
- Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.
- Review individual or commercial customer files to identify and select delinquent accounts for collection.
- Confer with credit association and other business representatives to exchange credit information.
Skills used in this work
- Critical Thinking
- Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
- Active Learning
- Understanding the implications of new information for both current and future problem-solving and decision-making.
- Reading Comprehension
- Understanding written sentences and paragraphs in work-related documents.
- Speaking
- Talking to others to convey information effectively.
- Active Listening
- Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
- Mathematics
- Using mathematics to solve problems.
Expand more skills (29)
- Judgment and Decision Making
- Considering the relative costs and benefits of potential actions to choose the most appropriate one.
- Writing
- Communicating effectively in writing as appropriate for the needs of the audience.
- Complex Problem Solving
- Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
- Monitoring
- Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.
- Service Orientation
- Actively looking for ways to help people.
- Social Perceptiveness
- Being aware of others' reactions and understanding why they react as they do.
- Time Management
- Managing one's own time and the time of others.
- Systems Analysis
- Determining how a system should work and how changes in conditions, operations, and the environment will affect outcomes.
- Systems Evaluation
- Identifying measures or indicators of system performance and the actions needed to improve or correct performance, relative to the goals of the system.
- Coordination
- Adjusting actions in relation to others' actions.
- Operations Analysis
- Analyzing needs and product requirements to create a design.
- Learning Strategies
- Selecting and using training/instructional methods and procedures appropriate for the situation when learning or teaching new things.
- Negotiation
- Bringing others together and trying to reconcile differences.
- Persuasion
- Persuading others to change their minds or behavior.
- Instructing
- Teaching others how to do something.
- Management of Financial Resources
- Determining how money will be spent to get the work done, and accounting for these expenditures.
- Management of Personnel Resources
- Motivating, developing, and directing people as they work, identifying the best people for the job.
- Management of Material Resources
- Obtaining and seeing to the appropriate use of equipment, facilities, and materials needed to do certain work.
- Operations Monitoring
- Watching gauges, dials, or other indicators to make sure a machine is working properly.
- Programming
- Writing computer programs for various purposes.
- Quality Control Analysis
- Conducting tests and inspections of products, services, or processes to evaluate quality or performance.
- Science
- Using scientific rules and methods to solve problems.
- Operation and Control
- Controlling operations of equipment or systems.
- Equipment Maintenance
- Performing routine maintenance on equipment and determining when and what kind of maintenance is needed.
- Equipment Selection
- Determining the kind of tools and equipment needed to do a job.
- Installation
- Installing equipment, machines, wiring, or programs to meet specifications.
- Repairing
- Repairing machines or systems using the needed tools.
- Technology Design
- Generating or adapting equipment and technology to serve user needs.
- Troubleshooting
- Determining causes of operating errors and deciding what to do about it.
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