Credit Analysts
Business, Management and AdministrationO*NET 13-2041.00United States
Analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money. Prepare reports with credit information for use in decisionmaking.
- Median annual earnings
- $83,512
- Projected change
- −0.8%
- Typical education
- Bachelor's degree
- Employment
- 65.89K jobs
50th percentile, United States
2025 to 2035
95% of the workforce
Growing to 65.34K by 2035
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The work
What credit analysts do
Tasks reported for this occupation, ordered by how often they come up in the role.
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
- Prepare reports that include the degree of risk involved in extending credit or lending money.
- Generate financial ratios, using computer programs, to evaluate customers' financial status.
- Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
- Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
- Consult with customers to resolve complaints and verify financial and credit transactions.
Pay and outlook
What the job pays and where it is heading
Annual earnings range
Reported earnings by percentile, United States
- 10th percentile
- $56,243
- 25th percentile
- $65,208
- 50th percentile
- $83,512
- 75th percentile
- $122,470
- 90th percentile
- $169,229
The gold marker shows the median. Half earn more than $83,512 and half earn less.
Employment outlook
2025 to 2035 projection
−0.8%projected to decline
202565,894 jobs
2035 projected65,344 jobs
550 fewer positions over the decade, before replacement hiring.
Preparation
Education levels
What people currently working in the career hold. These are not entry requirements.
- Bachelor's degree
- 95%
- Master's or Professional degree
- 5%
Skills
Skills employers ask for
Technical skills appearing most often in job postings for this occupation.
How the work gets done
Core competencies
Broad capabilities associated with strong performance in this occupation.
- Critical Thinking
- Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
- Reading Comprehension
- Understanding written sentences and paragraphs in work-related documents.
- Speaking
- Talking to others to convey information effectively.
- Active Learning
- Understanding the implications of new information for both current and future problem-solving and decision-making.
- Active Listening
- Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
- Mathematics
- Using mathematics to solve problems.
- Writing
- Communicating effectively in writing as appropriate for the needs of the audience.
- Judgment and Decision Making
- Considering the relative costs and benefits of potential actions to choose the most appropriate one.
- Service Orientation
- Actively looking for ways to help people.
- Monitoring
- Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.
- Complex Problem Solving
- Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
- Time Management
- Managing one's own time and the time of others.
- Social Perceptiveness
- Being aware of others' reactions and understanding why they react as they do.
- Systems Evaluation
- Identifying measures or indicators of system performance and the actions needed to improve or correct performance, relative to the goals of the system.
- Systems Analysis
- Determining how a system should work and how changes in conditions, operations, and the environment will affect outcomes.
- Coordination
- Adjusting actions in relation to others' actions.
- Operations Analysis
- Analyzing needs and product requirements to create a design.
- Negotiation
- Bringing others together and trying to reconcile differences.
- Learning Strategies
- Selecting and using training/instructional methods and procedures appropriate for the situation when learning or teaching new things.
- Persuasion
- Persuading others to change their minds or behavior.
In the market
Job titles and employers
Recent job postings in United StatesCommon job titles
- 01Credit Analysts4,137 postings
- 02Credit Managers862 postings
- 03Assistant Credit Managers819 postings
- 04Credit Portfolio Managers393 postings
- 05Commercial Credit Managers309 postings
- 06Credit Risk Managers164 postings
- 07Credit Associates138 postings
- 08Portfolio Managers128 postings
- 09Credit Advisors118 postings
- 10Energy Managers95 postings
- 11Commercial Portfolio Managers84 postings
- 12Property Tax Consultants84 postings
- 13Bilingual Assistant Managers83 postings
- 14SBA Credit Analysts82 postings
- 15Corporate Credit Analysts80 postings
- 16Tax Credit Specialists80 postings
- 17Credit Analyst Managers76 postings
- 18Credit Analysts/Underwriters75 postings
- 19Site Review Consultants68 postings
- 20Monitoring Analysts64 postings
Top employers
- 01Rent-A-Center589 postings
- 02GPAC426 postings
- 03US Bank349 postings
- 04Robert Half212 postings
- 05Ashley Furniture201 postings
- 06Synchrony184 postings
- 07TD Bank174 postings
- 08Capital One173 postings
- 09JPMorgan Chase135 postings
- 10Fifth Third Bank121 postings
- 11Wells Fargo119 postings
- 12PNC111 postings
- 13Cardinal Health109 postings
- 14Truist Financial107 postings
- 15Royal Bank of Canada106 postings
- 16Bank of America104 postings
- 17Adams99 postings
- 18Farmers Home Furniture98 postings
- 19Glacier Bank97 postings
- 20Cherry Bekaert94 postings
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