Credit Analysts Career, Salary and Skills
Credit Analysts have a BLS-reported national median annual wage of $83,510 based on the 2025 OEWS dataset, with reported national employment of 64,390. Wage data is published for 217 locations.
Occupation description
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.
O*NET code
13-2041.00
Job zone
4
Typical education
Bachelor's Degree
Experience
Over 1 year, up to and including 2 years
National salary and employment
Median annual
$83,510
Hourly median
$40.15
Employment
64,390
Data year
2025
National salary distribution
Top skills
| Skill | Importance | Level |
|---|---|---|
| Critical Thinking | 3.88 | 4.00 |
| Active Learning | 3.62 | 3.62 |
| Speaking | 3.62 | 4.00 |
| Reading Comprehension | 3.62 | 4.00 |
| Active Listening | 3.50 | 4.00 |
| Mathematics | 3.38 | 4.12 |
| Writing | 3.12 | 3.88 |
| Judgment and Decision Making | 3.12 | 3.75 |
| Monitoring | 3.00 | 3.00 |
| Social Perceptiveness | 3.00 | 2.88 |
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.
- Consult with customers to resolve complaints and verify financial and credit transactions.
- Contact customers to collect payments on delinquent accounts.
Technology
- CGI-AMS BureauLink Enterprise
- CGI-AMS CACS Enterprise
- CGI-AMS Strata
- Credit adjudication and lending management system CALMS
- Credit and risk analysis software
- Credit fraud detection software
- Dun and Bradstreet Global DecisionMaker
- eCredit Enterprise
- Equifax Advanced Decisioning
- Equifax Application Engine
- Equifax InterConnect
- Experian Credinomics
- Experian Detect
- Experian FraudShield
Credit Analysts salary by location
Areas with the highest reported employment for this occupation.
- Credit Analysts Salary in NYMedian $133,270 · Employment 7,960
- Credit Analysts Salary in New York, NYMedian $136,500 · Employment 7,530
- Credit Analysts Salary in TXMedian $78,730 · Employment 6,130
- Credit Analysts Salary in CAMedian $97,860 · Employment 5,260
- Credit Analysts Salary in FLMedian $78,360 · Employment 4,040
- Credit Analysts Salary in NCMedian $94,570 · Employment 3,270
- Credit Analysts Salary in Dallas, TXMedian $80,530 · Employment 3,210
- Credit Analysts Salary in ILMedian $84,990 · Employment 3,130
- Credit Analysts Salary in OHMedian $79,720 · Employment 2,790
- Credit Analysts Salary in Chicago, ILMedian $92,900 · Employment 2,560
- Credit Analysts Salary in VAMedian $102,430 · Employment 2,460
- Credit Analysts Salary in AZMedian $77,020 · Employment 2,260
Related careers
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- Tax PreparersNational median $54,920
- Tax Examiners and Collectors, and Revenue AgentsNational median $62,370
- Budget AnalystsNational median $91,640
- Insurance UnderwritersNational median $81,370
- TellersNational median $43,030
- Investment Fund ManagersNational median $166,570
- Bookkeeping, Accounting, and Auditing ClerksNational median $50,670
Career and skills data: O*NET 31.0 (onetcenter.org). Salary and employment data: U.S. Bureau of Labor Statistics OEWS, 2025 (bls.gov/oes). Figures are published survey estimates, not real-time market data.