Credit Analysts earn $83,510 nationally at the median. The middle 50% of workers fall between $65,210 and $122,460. Where you land depends on specialization, employer, and experience.
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.
Also known as:
Credit Analysts earn $83,510 nationally, above the national median for college graduates. The middle 50% of earners fall between $65,210 and $122,460. Actual pay varies by employer, specialization, and location.
Above the national median for college graduates.
25th to 75th percentile. Most workers earn within this band.
The mean wage for this occupation is $100,850, above the median. A concentration of very high earners pulls the average up. The median is the better gauge of typical pay.
O*NET data identifies 5 core activities and 5 measurable skills for Credit Analysts roles. Use this section to judge whether the day-to-day reality aligns with what you actually want to spend time doing.
Success depends on precision and structured processes, where detail-oriented people who work consistently within established systems perform best.
Leadership, influence, and business acumen are rewarded here, where managing teams, driving decisions, or persuading others shapes career outcomes.
This career demands analytical thinking: researching problems, interpreting data, and applying logical reasoning to find practical solutions.
What the physical and mental conditions of this job actually look like day to day, based on O*NET Work Context data collected from people working in this occupation.
Split between indoor and outdoor or field settings.
Mix of sitting and movement throughout the day.
Moderate pressure. Regular deadlines exist but are generally manageable with experience.
The BLS projects -4.4% employment change for Credit Analysts through 2034, a declining trend, below the national average of +5%. About 3,700 openings per year keep the field accessible to new entrants.
Declining employment projected.
New positions plus replacements for retirees and career-changers.
Total US employment as of BLS May 2024.
Source: BLS Employment Projections 2024–2034 and Occupational Employment and Wage Statistics May 2024.
The five states below employ the most Credit Analysts professionals nationwide. State-level wages can differ significantly from the $83,510 national median. Research your specific market before committing to a program.
| # | State | Jobs | Median Wage | vs. National |
|---|---|---|---|---|
| 1 | New York | 7,900 | $132,690 | +58.9% |
| 2 | Texas | 6,650 | $77,300 | -7.4% |
| 3 | California | 6,400 | $88,360 | +5.8% |
| 4 | Florida | 3,510 | $76,240 | -8.7% |
| 5 | North Carolina | 2,970 | $88,230 | +5.7% |
Source: BLS Occupational Employment and Wage Statistics, May 2024. Employment figures rounded. Read our methodology →
Most Credit Analysts positions require a bachelor's degree to qualify. The 2 programs below are the most common academic pathways into this field, ranked by how many graduates they produce each year.
These positions typically require a bachelor's degree and several years of related experience before advancing into senior roles.
| # | Program | Graduates/yr | 4yr Median | Colleges |
|---|---|---|---|---|
| 1 | Accounting | 84,760 | $76,194 | 2,112 |
| 2 | Finance | 58,013 | $83,343 | 949 |
Colleges offering the degree programs that lead to this career, ranked by UCD Score. A strong program plus solid outcomes is a good place to begin your search.
| # | College | UCD Score | Net Price | Salary 10yr |
|---|---|---|---|---|
| 1 | CUNY Bernard M Baruch College New York, NY | 93 | $3,033 | $75,971 |
| 2 | University of Florida Gainesville, FL | 93 | $6,541 | $71,588 |
| 3 | North Florida College Madison, FL | 91 | $804 | $33,929 |
| 4 | University of Chicago Chicago, IL | 91 | $14,860 | $91,885 |
| 5 | Vanderbilt University Nashville, TN | 90 | $15,846 | $91,565 |
| 6 | University of North Carolina at Chapel Hill Chapel Hill, NC | 90 | $11,655 | $72,200 |
Once you've sized up Credit Analysts, these tools turn the numbers into a plan. Estimate the real cost of a degree that leads here, weigh the long-term payoff, compare specific colleges side-by-side, and find programs that match your profile.
See if the degree that leads to Credit Analysts pays off. Weighs each college's cost against the earnings graduates see.
Enter a budget and see the colleges whose net price fits, with the out-of-pocket cost and likely loan load for each.
Put any 2–4 colleges side-by-side. Admissions, cost, outcomes, and earnings, all on one screen, no tab-hopping.
Answer six quick questions and see your best-fit colleges ranked by budget, field of study, and what matters most to you.
Credit Analysts has real financial strengths, but declining employment projections deserve careful consideration. The 2 upsides and 2 concerns below are all data-sourced.
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