Credit Analyst Salary in 2026
Credit analysts evaluate the creditworthiness of individuals and businesses seeking loans or credit. They analyze financial statements, assess risk factors, and make lending recommendations.
Median Salary
$83,510
$6,959/mo
Entry Level
$56,900
starting pay
Senior Level
$112,600
experienced
Job Growth
+3%
10-yr outlook
BLS OEWS May 2025 · official national figures
BLS reports Credit Analysts (SOC 13-2041) at a national median of $83,510 per year (mean $100,850), or $40.15 per hour, with 64,390 people employed nationwide. The median above is this BLS figure; the entry, senior and top tiers are Salario estimates calibrated to it. Source: BLS Occupational Employment and Wage Statistics, May 2025 release.
Credit Analyst Overview
Credit analysts evaluate the creditworthiness of individuals and businesses seeking loans or credit. They analyze financial statements, assess risk factors, and make lending recommendations.
Education
Bachelor's Degree
Experience
1-3 years
Industry
Finance
Total Jobs (US)
64K
5-Year Growth
+12%
Category
Finance
Hourly Rate
$40.15/hr
Monthly Pay
$6,959
Credit Analyst Salary Calculator
Adjust your state and experience level to see the estimated Credit Analyst salary in your area.
Mid Career (5-9 yrs)
Estimated Credit Analyst Salary
$94,000
$7,833/month · $3,615/biweekly · $45.19/hr
Credit Analyst Salary Range
Salary distribution from entry-level to top earners in the Credit Analyst field.
Entry-level Credit Analysts earn around $56,900, while the top 10% earn $126,500 or more.
Top Paying States for Credit Analysts
| State | Est. Median Salary | vs National |
|---|---|---|
| California | $99,000 | +$15,490 |
| New York | $96,000 | +$12,490 |
| Illinois | $87,000 | +$3,490 |
| Texas | $82,000 | $-1,510 |
| North Carolina | $80,000 | $-3,510 |
Top Paying Cities for Credit Analysts
| City | Est. Median Salary | vs National |
|---|---|---|
| San Francisco | $104,000 | +$20,490 |
| New York | $99,000 | +$15,490 |
| Chicago | $88,000 | +$4,490 |
| Dallas | $84,000 | +$490 |
| Charlotte | $80,000 | $-3,510 |
City figures are Salario estimates that scale the national median by a city cost-of-labor multiplier; BLS does not publish a metro-level series for this title.
Credit Analyst Salary by City
Published city-level wage and take-home pay guides for Credit Analyst.
Required Skills & Certifications
Key Skills
Certifications
Credit Analyst Career Progression
Typical salary growth path for a Credit Analyst from entry level to expert.
$56,900
0-2 years
$85,000
3-7 years
$112,600
8-14 years
$140,400
15+ years
Related Finance Jobs
Credit Analyst Salary FAQ
How much does a Credit Analyst make in 2026?
The median salary for a Credit Analyst in the United States is $83,510 per year, the BLS OEWS May 2025 national median for Credit Analysts (SOC 13-2041); the mean is $100,850. Salario's calibrated tiers put entry-level positions around $56,900, senior professionals around $112,600, and top earners at $140,400 or more annually.
What education is needed to become a Credit Analyst?
A Credit Analyst typically requires a Bachelor's Degree with 1-3 years of experience. Key skills include Credit Analysis, Financial Statements, Risk Rating. Relevant certifications such as CFA or Credit Risk Certification can boost earning potential and career advancement.
What is the job outlook for Credit Analysts?
The job market for Credit Analysts is projected to grow by 3% over the next decade. There are currently approximately 64K Credit Analyst positions in the US. Salary growth over the past 5 years has been approximately 12%, reflecting moderate demand for this role.
Which states pay Credit Analysts the most?
The highest-paying states for Credit Analysts include New York, California, Texas. In New York, the median salary is approximately $96,000. However, cost of living varies significantly, so adjusted purchasing power should be considered when comparing salaries across states.
How can I increase my Credit Analyst salary?
To increase your Credit Analyst salary, focus on gaining expertise in high-demand skills like Credit Analysis and Financial Statements. Pursue certifications such as CFA. Consider relocating to higher-paying markets like New York. With 1-3 years of experience, you can progress from $56,900 to $112,600 or more.
Methodology & Data Sources: Credit Analyst Salary
How we calculate Credit Analyst salary data: The national median is the official BLS OEWS May 2025 annual median wage for Credit Analysts (SOC 13-2041), retrieved from the BLS Public Data API. The entry, senior and top tiers are a Salario model: the shape of the distribution is Salario's, rescaled so that its median equals the BLS median. State and most city figures are Salario estimates that apply cost-of-labor multipliers to that median.
- National median salary: $83,510, BLS OEWS May 2025 annual median for Credit Analysts; BLS mean $100,850; BLS hourly median $40.15.
- Entry-level ($56,900) and senior-level ($112,600) are Salario tiers calibrated to the BLS median; they are not BLS percentiles. BLS publishes P10/P25/P75/P90 wages for this occupation in its OEWS tables.
- Job outlook: +3% projected growth is Salario's outlook figure; compare with the BLS Employment Projections program. BLS OEWS May 2025 counts 64,390 Credit Analysts jobs nationwide.
- 5-year salary growth: 12% is a Salario estimate of past 5-year wage growth for the Finance sector, informed by the BLS Employment Cost Index.
- Education requirement: Bachelor's Degree, per BLS Occupational Outlook Handbook entry for this occupation.
- State and city estimates apply Salario cost-of-labor multipliers to the national median of $83,510; city rows marked "BLS metro" are real OEWS metropolitan-area medians instead.
Authoritative US data sources for Credit Analyst compensation:
- BLS Occupational Employment and Wage Statistics (OEWS), national and metro-area salary data
- BLS Occupational Outlook Handbook, Credit Analyst job projections, education, and career outlook
- BLS Employment Projections, 10-year occupation growth and decline data
- BLS Employment Cost Index, quarterly compensation trend data for Finance
- BLS Consumer Price Index (CPI-U), regional inflation for cost-of-living wage adjustments
- IRS Revenue Procedure 2025-32 summary, 2026 federal tax brackets and standard deductions
Disclaimer: Credit Analyst salary figures are statistical estimates for general guidance. Actual compensation depends on employer, location, negotiation, specific skills (Credit Analysis, Financial Statements, Risk Rating), certifications, and industry conditions. Always verify with multiple sources including current job listings, recruiter data, and direct employer offers before making career decisions.
Reviewed by Harlan Voss · Last updated May 17, 2026 · BLS figures: OEWS May 2025 release (published May 2026), retrieved from the BLS API on September 17, 2026
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