Commercial Credit Analysts in the United States can expect wages of $52K annually on average. Cash earnings for Commercial Credit Analysts — which occasionally include more than $8K from bonuses and more than $3K from profit sharing — stretch from around $36K to approximately $75K. Geography is the biggest factor affecting pay for this group, followed by career length. Work is enjoyable for Commercial Credit Analysts, who typically claim high levels of job satisfaction. Men make up the majority of Commercial Credit Analysts (64 percent) survey respondents. Nearly all report receiving medical coverage from their employers and a strong majority collect dental insurance. The data for this synopsis comes from respondents who took the PayScale salary survey.

$37,542 - $71,839
$38K
$52K
$72K
MEDIAN: $52,169
10%
50%
90%

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$14.87 - $33.01
$15
$21
$33
MEDIAN: $21.00
10%
50%
90%

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National Salary Data (?
XAll compensation data shown are gross 10th to 90th percentile ranges. Take the PayScale Survey to find out how location influences pay for this job.
)
$0$25K$50K$75K
Salary
$37,542 - $71,839  
   
Bonus
$492.35 - $8,109  
Profit Sharing
$0.00 - $3,125  
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).
)
$36,209 - $74,849  
Country: United States | Currency: USD | Updated: 18 Jan 2017 | Individuals Reporting: 285
National Hourly Rate Data (?
XAll compensation data shown are gross 10th to 90th percentile ranges. Take the PayScale Survey to find out how location influences pay for this job.
)
$0$18$36$54
Hourly Rate
$14.87 - $33.01  
   
Overtime
$23.51 - $53.40  
National Annualized Data (?
XAll compensation data shown are gross 10th to 90th percentile ranges. Take the PayScale Survey to find out how location influences pay for this job.
)
$0$50K$100K$150K
Bonus
$492.35 - $8,109  
   
Profit Sharing
$0.00 - $3,125  
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).
)
$36,209 - $74,849  
Country: United States | Currency: USD | Updated: 18 Jan 2017 | Individuals Reporting: 56

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United States (change)

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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

  • Assess credit risk.
  • Aggregate and evaluate data related to credit and credit risk to support organizational decision-making.
  • Ensure that approved accounts remain in good standing.
  • Establish terms for approved credit requests.

Common Career Paths for Commercial Credit Analyst


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Many Commercial Credit Analysts move into a Senior Credit Analyst role, and folks who currently hold that position report a much higher median income of $63K per year.

Credit Analyst Job Listings

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Popular Skills for Commercial Credit Analyst


Commercial Credit Analysts generally report applying a varied skill set to their work. Most notably, skills in Risk Management / Risk Control, Loan Underwriting, Financial Analysis, and Commercial Loans are correlated to pay that is above average. Skills that are correlated to lower pay, on the other hand, include Accounting. Those educated in Commercial Loans tend to be well versed in Loan Underwriting.

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, level of experience appears to be a somewhat less important part of the salary calculation — more experience does not correlate to noticeably higher pay. Although individuals who have less than five years' experience earn $50K on average, people with five to 10 years benefit from a notably larger average of $61K. Commercial Credit Analysts bring in $63K after working for 10 to 20 years. In the end, more experience does seem to mean larger paychecks; seasoned Commercial Credit Analysts with more than 20 years of experience earn a predictably higher median salary of $65K.

Pay Difference by Location

National Average: $51,893

Larger city markers indicate a job is popular in that location.

Surpassing the national average by 35 percent, Commercial Credit Analysts in New York receive some of the highest pay in the country. Commercial Credit Analysts can also look forward to large paychecks in cities like Denver (+25 percent), Boston (+13 percent), Dallas (+12 percent), and Chicago (+8 percent). St. Louis is the lowest-paying area, 19 percent south of the national average. A couple other locations with smaller-than-average paychecks include Albany (14 percent lower) and Portland (10 percent lower).

Related Job Salaries

Key Stats for Commercial Credit Analyst

Gender

Female
36 %
Male
64 %

Job Satisfaction

Highly satisfied
Rated 4 out of 5
based on 49 votes.
Less than 1 year
7%
1-4 years
57%
5-9 years
16%
10-19 years
14%
20 years or more
5%
Location:
Years in Fields/Career:
United States (change)

Experience Affects Commercial Credit Analyst Salaries




National Average
$52,000


Skills That Affect Commercial Credit Analyst Salaries

Risk Management / Risk Control
up arrow 2%

Financial Analysis
0%

Loan Underwriting
0%

National Average
$52,000



Accounting
up arrow 5%

Job Satisfaction

Highly satisfied
Rated 4 out of 5
based on 49 votes.

Gender

Female
36 %
Male
64 %

Years of Experience

Less than 1 year
7%
1-4 years
57%
5-9 years
16%
10-19 years
14%
20 years or more
5%

Common Health Benefits

medical benefits
Medical: 93%
dental benefits
Dental: 79%
vision benefits
Vision: 71%
dental benefits
None: 6%
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