How much does a Credit Analyst make in the United States?
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The average Credit Analyst salary in the United States is $95,652 as of August 01, 2026. The range for our most popular Credit Analyst positions (listed below) typically falls between $53,766 and $137,539. Keep in mind that salary ranges can vary widely depending on many important factors, including position, education, certifications, additional skills, and the number of years you have spent in your profession. With more online, real-time compensation data than any other website, Salary.com helps you determine your exact pay target.
Credit Analyst's Annual Base Salary
| Job Title | Salary | Hourly Rate | Location | Date Updated |
| Credit Analyst I | $62,509 | $30.05 | United States | August 01, 2026 |
| Credit Analyst II | $73,387 | $35.28 | United States | August 01, 2026 |
| Credit Analyst III | $90,861 | $43.68 | United States | August 01, 2026 |
| Mortgage Credit Analyst | $61,233 | $29.44 | United States | August 01, 2026 |
| Commercial Credit Analyst I | $63,511 | $30.53 | United States | August 01, 2026 |
| Commercial Credit Analyst III | $95,020 | $45.68 | United States | August 01, 2026 |
| Commercial Credit Analyst IV | $116,057 | $55.80 | United States | August 01, 2026 |
| Commercial Credit Analyst II | $76,125 | $36.60 | United States | August 01, 2026 |
| Credit and Collections Analyst I | $65,790 | $31.63 | United States | August 01, 2026 |
| Credit and Collections Analyst II | $72,548 | $34.88 | United States | August 01, 2026 |
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Analyzes the creditworthiness of prospective and current customers. Examines credit history using credit agency tools and evaluates potential risks. Makes recommendations on credit extensions within established guidelines. May make recommendations regarding bad debt or write-offs. Typically requires a bachelor's degree. Typically reports to a supervisor or manager. Works on projects/matters of limited complexity in a support role. Work is closely managed. Typically requires 0-2 years of related experience. View Credit Analyst I SalaryAlternate Job Titles:Entry Credit Analyst, Credit Analyst I
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Analyzes the creditworthiness of prospective and current customers. Examines credit history using credit agency tools and evaluates potential risks. Makes recommendations on credit extensions within established guidelines. Typically requires a bachelor's degree. Typically reports to a supervisor or manager. Gains exposure to some of the complex tasks within the job function. Occasionally directed in several aspects of the work. Typically requires 2 to 4 years of related experience. View Credit Analyst II SalaryAlternate Job Titles:Intermediate Credit Analyst, Credit Analyst II
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Analyzes the creditworthiness of prospective and current customers. Examines credit history using credit agency tools and evaluates potential risks. Makes recommendations on credit extensions within established guidelines. May make recommendations regarding bad debt or write-offs. Typically requires a bachelor's degree. Typically reports to a manager. Work is generally independent and collaborative in nature. Contributes to moderately complex aspects of a project. Typically requires 4-7 years of related experience. View Credit Analyst III SalaryAlternate Job Titles:Senior Credit Analyst, Credit Analyst III
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Assesses the risk and creditworthiness of loan applicants and recommends loan approval, terms, or application denial. Gathers necessary credit, income, and tax information to conduct financial assessments. Reviews and verifies property appraisals, collateral value, and key indicators such as debt-to-income and loan-to-value ratios. Prepares a detailed credit analysis and summary using underwriting guidelines, risk assessment frameworks, and following applicable regulatory compliance. May require a bachelor's degree. Typically reports to a manager. Work is closely managed. Works on projects/matters of limited complexity in a support role. Typically requires 0-2 years of related experience. View Mortgage Credit Analyst SalaryAlternate Job Titles:Credit Analyst - Mortgage Loans, Entry Mortgage Credit Analyst, Mortgage Credit Analyst
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Collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. Work is closely managed. Works on projects/matters of limited complexity in a support role. Typically requires 0-2 years of related experience. View Commercial Credit Analyst I SalaryAlternate Job Titles:Entry Commercial Credit Analyst, Commercial Credit Analyst I
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Collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. Work is generally independent and collaborative in nature. Contributes to moderately complex aspects of a project. Typically requires 4 -7 years of related experience. View Commercial Credit Analyst III SalaryAlternate Job Titles:Senior Commercial Credit Analyst, Commercial Credit Analyst III
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Collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. Work is highly independent. May assume a team lead role for the work group. A specialist on complex technical and business matters. Typically requires 7+ years of related experience. View Commercial Credit Analyst IV SalaryAlternate Job Titles:Lead Commercial Credit Analyst, Commercial Credit Analyst IV
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Collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. Occasionally directed in several aspects of the work. Gaining exposure to some of the complex tasks within the job function. Typically requires 2 -4 years of related experience. View Commercial Credit Analyst II SalaryAlternate Job Titles:Intermediate Commercial Credit Analyst, Commercial Credit Analyst II
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Analyzes credit history and information related to applications for credit and overdue/delinquent accounts. Ensures compliance with credit and collections regulations and adherence to best practices. Provides reporting on outstanding account balances, credit applications, and collection activity. Recommends terms and conditions pertaining to credit and debt repayment. Typically requires a bachelor's degree. Typically reports to a manager. Work is closely managed. Works on projects/matters of limited complexity in a support role. Typically requires 0-2 years of related experience. View Credit and Collections Analyst I SalaryAlternate Job Titles:Consumer Credit/Collections Analyst, Entry, Credit and Collections Analyst I
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Analyzes credit history and information related to applications for credit and overdue/delinquent accounts. Ensures compliance with credit and collections regulations and adherence to best practices. Provides reporting on outstanding account balances, credit applications, and collection activity. Recommends terms and conditions pertaining to credit and debt repayment. Typically requires a bachelor's degree. Typically reports to a manager. Occasionally directed in several aspects of the work. Gaining exposure to some of the complex tasks within the job function. Typically requires 2-4 years of related experience. View Credit and Collections Analyst II SalaryAlternate Job Titles:Consumer Credit/Collections Analyst, Experienced, Credit and Collections Analyst II