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Commercial Credit Analyst Salary

Commercial Credit Analysts in the United States pull down an average of $47K annually. Total cash earnings of Commercial Credit Analysts range from $35K on the low end to $70K on the high end; the final amount can include bonuses and profit sharing proceeds that occasionally exceed $8K and $6K, respectively. Location is the biggest factor affecting pay for this group, followed by career duration. Men make up the majority of Commercial Credit Analysts (68 percent) survey respondents. Nearly all report receiving medical coverage from their employers and most collect dental insurance. Most Commercial Credit Analysts report high levels of job satisfaction. The data for this snapshot was collected from individuals who took PayScale's salary survey.

$35,859 - $67,191
(Median)
$36K
$47K
$67K
MEDIAN: $46,687
10%
50%
90%

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$13.23 - $25.11
(Median)
$13
$18
$25
MEDIAN: $18.00
10%
50%
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
$35,859 - $67,191  
   
Bonus
$0.00 - $7,973  
Profit Sharing
$771 - $6,183  
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).
)
$34,560 - $69,876  
Country: United States | Currency: USD | Updated: 16 May 2015 | Individuals Reporting: 563
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$14$28$42
Hourly Rate
$13.23 - $25.11  
   
Overtime
$20.11 - $40.18  
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$28K$56K$84K
Bonus
$0.00 - $7,973  
   
Profit Sharing
$771 - $6,183  
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).
)
$34,560 - $69,876  
Country: United States | Currency: USD | Updated: 16 May 2015 | Individuals Reporting: 104
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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


Typical Commercial Credit Analysts report a focused set of job skills. Most notably, skills in Loan Underwriting, Commercial Loans, Financial Analysis, and Microsoft Excel are correlated to pay that is above average, with boosts between 4 percent and 8 percent. The majority of those who know 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.


For Commercial Credit Analysts, experience does not seem to be a major factor in determining pay. Respondents with less than five years' experience take home $44K on average. In contrast, those who have been around for five to 10 years earn a noticeably higher average of $56K. People with 10 to 20 years of experience make an average of about $56K in this role. As Commercial Credit Analysts reach more than two decades on the job, compensation remains commensurate with experience; the average pay in this group is $65K.

Pay Difference by Location


For Commercial Credit Analysts, working in the bustling city of New York has its advantages, including an above-average pay rate. Commercial Credit Analysts will also find cushy salaries in Denver (+34 percent) and Houston (+8 percent). Trailing the national average by 11 percent, St. Louis is the market with the smallest paychecks.

Related Job Salaries

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Experience Affects Commercial Credit Analyst Salaries

Late-Career
up arrow 38%



National Average
$47,000


Skills That Affect Commercial Credit Analyst Salaries



Financial Analysis
up arrow 4%

Microsoft Excel
up arrow 1%

National Average
$47,000

Job Satisfaction

Highly satisfied
Rated 4 out of 5
based on 147 votes.

Gender

Female
32 %
Male
68 %

Years of Experience

Less than 1 year
8%
1-4 years
55%
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: 66% employee benefits None: 7%
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