How much do credit analysts make in 2026?
Credit analysts have their own BLS occupational series, an exact match rather than a pooled one. SOC 13-2041 reports a national median of $83,510 a year ($40.15 an hour) across 64,390 people, with a 10th percentile near $56,250 and a 90th percentile of $169,230 (OEWS May 2025). That distribution is worth pausing on: the gap between the median and the 90th percentile is far wider than in most occupations, and it reflects a real split. Community and commercial bank credit analysis — spreading financial statements, assessing small business and commercial real estate borrowers, writing credit memoranda for committee — sits around and below the median. Corporate, leveraged and structured credit analysis at larger institutions, where the analysis supports substantial transactions and the modelling is genuinely demanding, sits far above it. Employment is projected to decline 4.4% through 2034 with roughly 3,700 openings a year, reflecting automation of routine consumer and small business credit decisioning. The analytical end of the profession, where judgement about a borrower's capacity to repay under stress is required, has not automated. → Full credit analyst career guide, career path, credentials & placement →
Note: $83,510 blends every experience level and every setting in this occupation. For pay by level alone, see Pay by Level below.
- Credit Analysts earn a national median $83,510/yr ($40.15/hr) (BLS OEWS May 2025, SOC 13-2041); the P10 to P90 range is $56,250 to $169,230.
- This is an exact-match occupational series: SOC 13-2041 counts 64,390 credit analysts with a $83,510 median and an unusually wide $56,250 to $169,230 band.
- The width reflects a real split — community and commercial bank credit analysis sits around and below the median, while corporate, leveraged and structured credit at larger institutions sits far above it.
- Employment is projected to decline 4.4% through 2034 as routine consumer and small business decisioning automates; the analytical end requiring judgement about repayment capacity under stress has not.
US Credit Analyst Pay Distribution · BLS OEWS May 2025
Pay by Level · BLS OEWS May 2025
How much do credit analysts earn at each level?
BLS OEWS publishes one blended wage for the whole occupation and does not break pay out by credential or practice level. The levels below distribute the published percentile range across the credential tiers this role actually hires at.
Level medians are aligned to the BLS OEWS May 2025 percentile distribution for SOC 13-2041; GlobalCybers does not yet publish a verified placement sample for this role, so no verified median is shown.
Methodology & Sources
How the numbers on this page are built
Published (BLS): BLS OEWS May 2025, SOC 13-2041, United States national estimate. Public, methodologically rigorous, but sampled on a rolling 3-year basis and published ~10 months after collection — so it reflects wages that are already 1–2 years old by the time you read them.
Level and certification medians: distributed across the published BLS percentile range for this SOC code (P10 through P90) according to the credential tiers this occupation actually hires at. They are modeled reference points, not separately surveyed wages.
State and metro figures: modeled — the BLS national median multiplied by the GlobalCybers state wage index, and for metros by the published metro index for that state. They are estimates of local pay, not BLS state or metropolitan-area observations, and are labelled as modeled in the tables below.
No verified placement sample:GlobalCybers does not yet publish a placement median for this role, so no "verified" figure appears anywhere on this page.
Pay by Career Level
How much does a credit analyst earn at each career stage?
Credit analysis pay follows lending type, transaction size and analytical depth. Each median is anchored to the BLS OEWS distribution for SOC 13-2041, an exact-match occupational series.
By State
Which states pay credit analysts the most in 2026?
State figures are modeled estimates — the BLS national median multiplied by the GlobalCybers salary-calculator state wage index — not BLS state observations. Institution type explains far more than geography: a corporate credit analyst at a large bank and a commercial analyst at a community bank in the same city occupy different markets entirely.
6 of 51 state guides shown, ranked by median. Bar is relative to California ($96,040), the highest-paying state shown. See all role salary guides →
By Metro
Which cities pay credit analysts the most?
Metro figures are modeled — national median times state wage index times published metro index — not BLS MSA observations. Financial centres pay above the national picture because that is where corporate, leveraged and structured lending is concentrated.
BLS OEWS MSA estimates, May 2025. Nominal pay — weigh each metro against its cost of living before relocating.
Certification Impact
Which certifications raise a credit analyst’s pay the most?
Median annual pay before and after each credential, based on GlobalCybers placement data cross-referenced with BLS. License upgrades move the needle most; stackable certs add on top.
Impacts are not additive, the licensing rows share the same career ladder. Browse all 167 certifications →
Trade Comparison
How does credit analyst pay compare to related roles?
BLS OEWS national median across the closest trades. Credit Analysts sit mid-pack on median but carry one of the widest P10–P90 spreads, licensing and specialization drive the upside.
BLS OEWS May 2025. Verify credit analyst wages on BLS.gov →
Take-Home Pay
What does a credit analyst actually take home after taxes?
The medians above are gross base wage.
Estimates use 2026 federal brackets, standard deduction, and 7.65% FICA. Actual take-home varies with filing status, deductions, and local tax.
FAQ
Credit Analyst Salary, Frequently Asked Questions
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