Business and Financial Operations · Holland code CEI
Credit Analysts
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 called: Credit Administrator, Credit Analyst, Credit Officer, Credit Representative, Credit and Collections Analyst, Credit Risk Analyst, Municipal Fixed Income Analyst.
O*NET 13-2041.00
At a glance
- US median annual pay
- $83,510
- Middle half earn $65,210 to $122,460. BLS OEWS, May 2025.
- Most common education
- Bachelor's Degree
- 95% of workers surveyed by O*NET report this level.
- Preparation needed
- Job Zone 4 of 5
- Considerable preparation. Zone 1 is little or none; zone 5 is graduate-level.
What the work involves
The tasks workers in this occupation rate as most important, from the O*NET survey.
- 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.
- Generate financial ratios, using computer programs, to evaluate customers' financial status.
- Prepare reports that include the degree of risk involved in extending credit or lending money.
- 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.
- Contact customers to collect payments on delinquent accounts.
- Evaluate customer records and recommend payment plans, based on earnings, savings data, payment history, and purchase activity.
Skills and knowledge it leans on
Skills
- Critical Thinking3.9 / 5
- Reading Comprehension3.6 / 5
- Speaking3.6 / 5
- Active Learning3.6 / 5
- Active Listening3.5 / 5
- Mathematics3.4 / 5
Knowledge areas
- Economics and Accounting4.5 / 5
- Mathematics3.9 / 5
- English Language3.9 / 5
- Law and Government3.3 / 5
- Administrative3.0 / 5
- Customer and Personal Service2.9 / 5
Importance ratings on O*NET’s 1 to 5 scale. Higher means the occupation depends on it more.
Who tends to enjoy it
How strongly this occupation draws on each of the six Holland interest types, which is the same profile the career interests test compares you against.
- Realistic0
- Investigative47
- Artistic0
- Social24
- Enterprising59
- Conventional98
The same work abroad
Other countries classify jobs differently, so these are the closest matches through the international ISCO-08 standard, not exact equivalents.
European occupation titles (ESCO)
- credit adviser · DE Kreditberater/Kreditberaterin · FR conseiller crédits/conseillère crédits
- credit analyst · DE Kreditprüfer/Kreditprüferin · FR analyste prêt bancaire
- credit manager · DE Kreditmanager/Kreditmanagerin · FR responsable des crédits
- credit risk analyst · DE Kreditrisikomanager/Kreditrisikomanagerin · FR analyste de risques crédits
- loan officer · DE Kreditsachbearbeiter/Kreditsachbearbeiterin · FR agent de prêts/agente de prêts
- mortgage loan underwriter · DE Underwriter im Kreditwesen/Underwriterin im Kreditwesen · FR rédacteur crédits bancaires/rédactrice crédits bancaires
Closest UK occupation groups (SOC 2020)
- Credit controllers (4121)29,000 employed
- Office supervisors (4142)53,200 employed
- Bank and post office clerks (4123)66,300 employed
Employment is the UK Annual Population Survey for April 2025 to March 2026, all workers in the group, which can be broader than this one occupation.
Pay across Europe, for the whole group
Median annual earnings of all employees in “Technicians and associate professionals”. This is the broad ISCO group this occupation falls in, not the occupation itself, so treat it as context for the wage level, not as a salary for this job.
| Country | Median pay |
|---|---|
| Belgium | €50,992 |
| Austria | €46,986 |
| Germany | €44,473 |
| Netherlands | €42,448 |
| Ireland | €41,613 |
| Sweden | €41,155 |
| Italy | €34,882 |
| France | €34,816 |
| Spain | €29,757 |
| Portugal | €18,080 |
| Poland | €12,108 |
Eurostat Structure of Earnings Survey, businesses with ten or more employees outside public administration, in euro and not adjusted for the cost of living. Reference years differ between sources: the US, Japan and Europe figures on this page come from different survey years, so compare them as rough levels, not to the euro or yen.
Exposure to AI
This occupation sits in the higher third of the 774 occupations scored, with an exposure score of +1.35. The scores are standardized across those occupations, so 0 is the average and a score of 1 is about one standard deviation above it.
Our note on reading it: the dataset links AI applications to the abilities that occupations require, so the score reflects overlap between the two. It is a comparison between occupations, not a forecast about jobs. It does not say whether exposure means tasks are replaced or workers get more done with the tools, and it says little about one employer or one role.
Source: Felten, E., Raj, M., & Seamans, R. (2021). Occupational, industry, and geographic exposure to artificial intelligence: A novel dataset and its potential uses. Strategic Management Journal, 42(12), 2195-2217. Matched to this page by 6-digit SOC code (13-2041).
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