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.
This page sets out what the federal data says about working as a credit analysts: what the job pays, how fast it is growing, and what it takes to get in. Most people arrive through a degree in Accounting and what it leads to, though it is not the only route.
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:
Most credit analysts take home around $83,510 a year, above what most college graduates make. Half earn somewhere between $65,210 and $122,460, so where you land depends a lot on employer, specialty and city. A solid living in most parts of the country. Source: BLS.
A wage on its own says nothing about whether the degree behind it pays for itself, which is a question of lifetime earnings set against the total cost of getting there.
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.
This is what the job actually looks like on a Tuesday: 5 core activities and 5 skills the work depends on. Read it before the salary, because pay matters less than whether you would want to spend your days doing this. Source: O*NET.
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.
Through 2035 the BLS expects this field to change by -4.3%, meaning it is shrinking, so expect more competition for fewer roles. Around 3,100 roles open up each year, which is the number that matters most if you are starting out. Source: BLS.
Growth rates are only meaningful next to other occupations, and the full list of careers with their projected growth puts this one in context.
Declining employment projected.
New positions plus replacements for retirees and career-changers.
Total US employment as of BLS May 2025.
Source: BLS Employment Projections 2025–2035 and Occupational Employment and Wage Statistics May 2025.
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 | 7,960 | $133,270 | +59.6% |
| 2 | Texas | 6,130 | $78,730 | -5.7% |
| 3 | California | 5,260 | $97,860 | +17.2% |
| 4 | Florida | 4,040 | $78,360 | -6.2% |
| 5 | North Carolina | 3,270 | $94,570 | +13.2% |
Source: BLS Occupational Employment and Wage Statistics, May 2025. Employment figures rounded. Read our methodology →
To get hired here you will usually need a bachelor's degree. The 2 programs below are the most common routes in, ordered by how many people actually graduate from each one.
The next most common path is a Finance program and the colleges offering it, which suits a different kind of applicant.
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.
Air traffic controllers earn more than the typical bachelor's-degree career, with an associate degree. The occupations that pay six figures without four years of college.
Group every career by the degree it requires and master's-level jobs pay a median of about $91,000, statistically tied with bachelor's-level work. The premium hides in a few fields.
Only 106 of 393 federal careers both pay a median above $80,000 and grow faster than the typical job. Here is the rare set that clears both bars.
Browse our full directory: every college, major, program, and career we track, all built from verified government data.
Scout uses AI and can make mistakes. Verify important numbers on the page.
