As of August 01, 2026, the average salary for a Credit Analyst II - Lending in the United States is $69,390 per year, which breaks down to an hourly rate of $33.
However, a Credit Analyst II - Lending's salary can vary significantly. Here’s a look at the typical salary range:
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A Credit Analyst II - Lending's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location, education, and company size can directly affect your earning potential.
Experience is a primary driver of a Credit Analyst II - Lending's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:
| Job Role | Years of Experience | Average Salary |
|---|---|---|
| Consumer Loan Credit Analyst I | 0-2 years | $59,421 |
| Credit Analyst II - Lending | 2-4 years | $69,382 |
| Consumer Loan Credit Analyst III | 4-7 years | $85,461 |
| Consumer Loan Credit Analyst IV | 7+ years | $103,774 |
| Consumer Loan Credit Supervisor I | 7+ years | $95,495 |
What Am I Worth?
Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Credit Analyst II - Lendings. For example, consider the average annual salaries in these key locations:
Demanded Skills for the Role:
| Skills | Demand Percentage |
|---|---|
| Analysis | 18.91% |
| Commercial Loans | 2.27% |
| Billing | 1.5% |
| Skill | Salary | Salary % Increase |
|---|---|---|
|
Critical Thinking
|
$108,942 |
57%
|
|
Loan Review
|
$83,962 |
21%
|
|
Analysis
|
$83,962 |
21%
|
|
Billing
|
$81,186 |
17%
|
|
Cash Flow Analysis
|
$80,492 |
16%
|
|
Flexibility
|
$80,492 |
16%
|
Credit Analyst II - Lending salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $73,930. While startup companies pay approximate $62,777.
| Company Size | Employees | Average Salary |
|---|---|---|
| Startup | 1~50 | $62,777 |
| Growth Stage | 51~500 | $66,339 |
| Established | 501~5000 | $71,458 |
| Enterprise | 5000+ | $73,930 |
For Credit Analyst II - Lending roles, the industry you choose can impact your earning potential by as much as 20% (the gap between the highest and lowest paying industries). Data shows that the highest-paying industry, Financial Services, offers compensation 10% above the average. Conversely, Credit Analyst II - Lending positions in Business Services typically offer lower base pay, as this sector often view Credit Analyst II - Lending as a support function rather than a direct revenue driver.
| Industry Sector | Average Annual Salary | Average Hourly Rate | Pay vs.Avg |
|---|---|---|---|
| Financial Services | $76,329 | $37.0 | 10% |
Your level of education can impact your salary potential. While many Credit Analyst II - Lendings enter the field with a Bachelor's Degree degree, higher education can lead to more specialized and higher-paying roles.
According to our 100% employer-reported salary data, the median salary for a Credit Analyst II - Lending with a Bachelor's Degree is between $69,740 and $75,252).
Credit Analyst II - Lending Salaries by Degree Level
| Degree Level | % of user with this level of education |
|---|---|
| No Diploma | 18.2% |
| High School | 18.2% |
| Associates | 13.6% |
| Bachelors | 68.2% |
| Masters | 13.6% |
| Doctorate | 0.0% |
Understanding how a Credit Analyst II - Lending's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.
Last Updated on August 01, 2026Promotions are the fastest way to increase your earnings. As a Credit Analyst II - Lending, you have the following paths for advancement. The table below compares the salary raises for common next-step roles. By comparing these figures, you can choose the career path that best meets your financial goals.
| Next Step Role | Estimate Salary | Projected Raise |
|---|---|---|
| Senior Mortgage Underwriter | $95,000 | 37% |
| Consumer Loan Credit Analyst III | $85,500 | 23% |
Salaries for a Credit Analyst II - Lending can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $68,950 in 2023 to around $68,274 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Credit Analyst II - Lending salary trends, .
| Year | Average Annual Salary |
|---|---|
| 2022 |
View More
|
| 2023 | $68,950 |
| 2024 | $68,590 |
| 2025 | $68,274 |
| 2026 |
View More
|
| 2027 |
View More
|
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The Financial Services industry offers the highest average compensation for Credit Analyst II - Lending roles, with salaries approximately 10% above the market median.
Credit Analysts in the US typically earn between $65,390 and $85,680 annually. The average salary is around $75,350, reflecting the midpoint of this range. These figures provide a clear overview of the earning potential for this role in the lending sector.
The salary for a Credit Analyst at JP Morgan ranges from approximately $65,390 to $85,680 annually, with a mid-point salary of around $75,350. This reflects the competitive compensation for this role within the financial sector.
The estimated total pay range for a Credit Analyst in Lending is approximately $65,390 to $85,680 per year, which includes base salary and additional compensation. The average base salary for this role is around $75,350 per year.
A second-year analyst at JP Morgan can expect to earn around $75,350, which aligns with the mid-salary for a Credit Analyst in Lending. This figure reflects the competitive compensation in the finance sector, ensuring that analysts are rewarded for their contributions and expertise.
A Credit Analyst can earn a competitive salary, with a minimum of $65,390, a mid-range of $75,350, and a maximum of $85,680. While the average hourly pay in California is around $29.53, the salary range indicates that this role can be quite lucrative, especially for those with experience and expertise in the field.
Credit analysts typically earn between $65,390 and $85,680 annually, with a median salary of $75,350. While cities like New York and Greenville offer higher salaries, the overall range for credit analysts reflects a competitive market across various locations.
Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.
We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)
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