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Commercial Credit Analyst Salary (United States)

Slightly less than two-thirds of Commercial Credit Analysts are still navigating the early stages of their careers and report less than five years' experience. The workforce as a whole reports a median income in the neighborhood of $46K annually. In the world of Commercial Credit Analysts, overall cash allowance can occasionally include more than $8K from bonuses and, in some exceptional cases, $7K from profit sharing, causing incomes to vary widely between $34K and $69K. Geographic location is the biggest factor affecting pay for this group, followed by career length. Medical benefits are awarded to almost all employees, and the greater part earn dental coverage. Most Commercial Credit Analysts (69 percent) are men. Most workers in this position report high levels of job satisfaction. Figures cited in this summary are based on replies to PayScale's salary questionnaire.
Commercial Credit Analyst Salary (?
XAll compensation data shown are gross, national 10th to 90th percentile ranges. Pay can vary greatly by location. To view local data, take the PayScale survey.
)
$35,378 - $66,817
(Median)
35K
46K
56K
67K
MEDIAN: $46,012
10%
50%
75%
90%
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Commercial Credit Analyst Salary (?
XAll compensation data shown are gross, national 10th to 90th percentile ranges. Pay can vary greatly by location. To view local data, take the PayScale survey.
)
$12.55 - $24.87
(Median)
13
15
18
22
25
MEDIAN: $17.00
10%
25%
50%
75%
90%
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National Salary Data

 (?
XAll compensation data shown are gross, national 10th to 90th percentile ranges. Pay can vary greatly by location. To view local data, take the PayScale survey.
)
$0$24K$48K$72K
Salary
$35,378 - $66,817  
   
Bonus
$0.00 - $7,851  
Profit Sharing
$780 - $6,759  
Total Pay (?
XTotal Pay combines base annual salary or hourly wage, bonuses, profit sharing, tips, commissions, overtime pay and other forms of cash earnings, as applicable for this job. It does not include equity (stock) compensation, cash value of retirement benefits, or the value of other non-cash benefits (e.g. healthcare).
)
$33,942 - $69,124  
Country: United States | Currency: USD | Updated: 3 Sep 2014 | Individuals Reporting: 573
National Hourly Rate Data (?
XAll compensation data shown are gross, national 10th to 90th percentile ranges. Pay can vary greatly by location. To view local data, take the PayScale survey.
)
$0$12$24$36
Hourly Rate
$12.55 - $24.87  
   
Overtime
$19.73 - $35.54  
National Annualized Data (?
XAll compensation data shown are gross, national 10th to 90th percentile ranges. Pay can vary greatly by location. To view local data, take the PayScale survey.
)
$0$24K$48K$72K
Bonus
$0.00 - $7,851  
   
Profit Sharing
$780 - $6,759  
Total Pay (?
XTotal Pay combines base annual salary or hourly wage, bonuses, profit sharing, tips, commissions, overtime pay and other forms of cash earnings, as applicable for this job. It does not include equity (stock) compensation, cash value of retirement benefits, or the value of other non-cash benefits (e.g. healthcare).
)
$33,942 - $69,124  
Country: United States | Currency: USD | Updated: 3 Sep 2014 | Individuals Reporting: 106
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Job Description for Commercial Credit Analyst

A commercial credit analyst is responsible for gathering and analyzing credit information for current and prospective business borrowers. These analysts complete analyses for new loan requests and make recommendations for risk ratings according to what they discover. They must also analyze credit data and financial statements as part of risk analysis on new and renewing loans. Commercial credit analysts also prepare written summaries of credit analysis of the business' services, as well as compare financial strengths of businesses being evaluated with similar businesses in the same industries. Additionally, these analysts must collaborate with auditors and loan review specialists. This is generally a full-time position, although overtime may be required depending on the needs of the business.
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Commercial Credit Analyst Tasks
  • Ensure that approved accounts remain in good standing.
  • Establish terms for approved credit requests.
  • Assess credit risk.
  • Aggregate and evaluate data related to credit and credit risk to support organizational decision-making.

Credit Analyst Job Listings

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Popular Skills for Commercial Credit Analyst

Survey results show that Commercial Credit Analysts typically report just a few professional skills. Most notably, skills in Loan Underwriting, Commercial Loans, Financial Analysis, and Microsoft Excel are correlated to pay that is above average, with boosts of 10 percent, 10 percent, 6 percent, and 6 percent, respectively. Most people familiar with Financial Analysis also know Commercial Loans.

Pay by Experience Level for Commercial Credit Analyst

Median of all compensation (including tips, bonus, and overtime) by years of experience.
Commercial Credit Analysts do not generally earn higher incomes from more experience in the field. The average worker who claims fewer than five years of experience earns around $44K. In contrast, however, individuals who report five to 10 years in this occupation see a much larger median of $54K. After working for 10 to 20 years, Commercial Credit Analysts make a median salary of $57K. Veterans who have acquired more than 20 years report a median income of $61K, which is generally higher than the pay reported by other tenure groups. Workers in this area tend to have one to nine years of experience. Experienced employees who have 10-20 years of experience make up one in ten of the workforce; inexperienced individuals who have been working for less than one year comprise fewer than one in ten, and senior people with more than 20 years under their belt fill out the remaining less than five percent.

Pay Difference By Location

New York
up arrow 44%
up arrow 35%
Houston
up arrow 8%
Minneapolis
up arrow 6%
National Average
$46,000
St. Louis
up arrow 10%
Larger circles over a city indicate a job is popular in that location.
With a pay rate for Commercial Credit Analysts that is 44 percent greater than the national average, New York offers a comfortable salary for those in this profession. Commercial Credit Analysts will also find cushy salaries in Denver (+35 percent) and Houston (+8 percent). Trailing the national average by 10 percent, St. Louis is the market with the smallest paychecks.

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Experience Affects Commercial Credit Analyst Salaries

Late-Career
up arrow 32%
National Average
$46,000

Skills That Affect Commercial Credit Analyst Salaries

Microsoft Excel
up arrow 1%
National Average
$46,000

Job Satisfaction

Highly satisfied Image
Highly satisfied
Rated 4 out of 5 based on 184 votes.

Gender

Female
31%
female alumni
 
Male
69%
male alumni

Years of Experience

Less than 1 year
9%
1-4 years
54%
5-9 years
22%
10-19 years
11%
20 years or more
4%

Common Health Benefits

medical benefits Medical: 91% dental benefits Dental: 83%
vision benefits Vision: 65% employee benefits None: 7%