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Role hub · Credit Analysts

Credit Analyst: what the job is, what it pays, and how to get hired.

The work, the skills that matter, the tools in demand and the pay range, from U.S. government data, plus every TryHired page for the role.

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Updated Nov 2, 2026 · Data: BLS OEWS May 2025 · O*NET 31.0
Pay ladder · select a percentile
Median percentile pay

Half of credit analysts earn more than this and half earn less.

Annual
$83,510
Hourly
$40.15
Source
BLS May 2025
Quick answer

Credit Analysts analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. The median pay is $83,510 a year ($40.15 an hour) (BLS, May 2025). The most commonly reported education requirement is a bachelor's degree (95% of workers surveyed by O*NET).

Median pay
$83,510
BLS May 2025
Employed in the U.S.
64,390
BLS May 2025
Preparation
Job Zone 4 of 5
considerable preparation
Most common education
Bachelor's Degree
95% of workers
Key facts

Credit Analysts at a glance

  • Credit analysts in the United States earned a median annual wage of $83,510 in May 2025, according to the U.S. Bureau of Labor Statistics.

    Source: BLS OEWS, May 2025

  • In its 2025–35 employment projections, the U.S. Bureau of Labor Statistics lists a bachelor's degree as the typical entry-level education for credit analysts in the United States.

    Source: BLS Employment Projections, 2025–35

  • BLS projects employment of credit analysts in the United States to decline 4.3% from 2025 to 2035, with about 3,100 openings a year on average, including replacement openings.

    Source: BLS Employment Projections, 2025–35

  • BLS estimated that 64,390 people were employed as credit analysts in the United States in May 2025, not counting the self-employed.

    Source: BLS OEWS, May 2025

Explore the role

Every page for Credit Analysts

SalaryCredit Analyst salary

Pay by percentile, state and metro, with a negotiation script.

Open →How to becomeCredit Analyst how to become

Education, training and the skills to build first.

Open →Interview questionsCredit Analyst interview questions

Questions with what they test, plus practice mode.

Open →Free toolCheck your resume

Parsed text, evidence per bullet, fixes first.

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The work

What credit analysts do day to day

Data Core tasks rated most important by workers in the role (O*NET).

  1. Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
  2. Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
  3. Generate financial ratios, using computer programs, to evaluate customers' financial status.
  4. Prepare reports that include the degree of risk involved in extending credit or lending money.
  5. Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
  6. Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
  7. Consult with customers to resolve complaints and verify financial and credit transactions.
Where this career works

Industries that employ it

Data Share of all credit analyst jobs in each industry, 2025 (BLS Employment Matrix).

  1. Credit intermediation and related activities63.5% of all jobs in this occupation · -4.0% projected change here 2025–35 · mean wage $98,210
  2. Management of companies and enterprises11.2% of all jobs in this occupation · -5.8% projected change here 2025–35 · mean wage $97,770
  3. Securities, commodity contracts, and other financial investments and related activities8.3% of all jobs in this occupation · -1.2% projected change here 2025–35 · mean wage $155,290
  4. Administrative and support services3.4% of all jobs in this occupation · -5.7% projected change here 2025–35 · mean wage $103,840
  5. Merchant wholesalers, durable goods3.3% of all jobs in this occupation · -6.2% projected change here 2025–35 · mean wage $78,580
  6. Professional, scientific, and technical services1.4% of all jobs in this occupation · -0.2% projected change here 2025–35 · mean wage $90,010

Sources: BLS 2025–35 National Employment Matrix (share of the occupation's jobs, projected change) and BLS OEWS May 2025 industry estimates (mean wage). Different industry estimates are not a pay forecast for any person.

Skills that matter

Ranked by importance to the job

Data O*NET importance ratings. The first three are core.

Critical ThinkingcoreReading ComprehensioncoreSpeakingcoreActive LearningActive ListeningMathematicsJudgment and Decision MakingWritingSocial Perceptiveness

Knowledge areas: Economics and Accounting, Mathematics, English Language, Law and Government, Administrative.

Tools and technology

Software credit analysts use

Data Examples reported for the role; employer demand flags from O*NET.

  • SASAnalytical or scientific softwareHot technology
  • CGI-AMS BureauLink EnterpriseInformation retrieval or search software
  • CGI-AMS CACS EnterpriseFinancial analysis software
  • CGI-AMS StrataFinancial analysis software
  • Credit and risk analysis softwareFinancial analysis software
  • Credit fraud detection softwareFinancial analysis software
  • Dun and Bradstreet Global DecisionMakerFinancial analysis software
  • Equifax Advanced DecisioningFinancial analysis software
  • Equifax Application EngineContent workflow software
  • Equifax InterConnectFinancial analysis software
  • Experian CredinomicsFinancial analysis software
  • Experian DetectFinancial analysis software

Also called: Credit Administrator, Credit and Collections Analyst, Credit Officer, Credit Representative, Credit Risk Analyst.

Method

How this page is built

Tasks, skills, tools, education and related roles come from O*NET 31.0. Pay and employment come from the BLS OEWS May 2025 national estimates. The skill-match score is our calculation: Skill match is the cosine similarity of the two occupations' skill profiles: for each of 35 O*NET skills (10 essential, 25 transferable) we multiply importance by level and subtract the average across all occupations, then compare the direction of the two profiles. 100 means identical shape; 0 means unrelated or opposite (negative values are shown as 0). Only occupations that O*NET itself lists as related are compared.

What this page can't tell you
  • How a specific employer defines the job.
  • Pay for self-employed workers (OEWS covers employees).
  • Your own chances: data describes the occupation, not you.
Sources
  1. O*NET 31.0 Database, U.S. Department of Labor, Employment and Training Administration (USDOL/ETA), used under the CC BY 4.0 license. TryHired selected, ranked and combined the data; O*NET is not responsible for these pages.
  2. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025 estimates (public domain).

How TryHired builds this data: sources, methods and downloads. Spotted an error? Report a correction.