As of August 01, 2026, the average salary for a Credit Analyst IV - Lending in the United States is $103,780 per year, which breaks down to an hourly rate of $50.
However, a Credit Analyst IV - Lending's salary can vary significantly. Here’s a look at the typical salary range:
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A Credit Analyst IV - 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, and company size can directly affect your earning potential.
Experience is a primary driver of a Credit Analyst IV - 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 II | 2-4 years | $69,382 |
| Consumer Loan Credit Analyst III | 4-7 years | $85,461 |
| Credit Analyst IV - Lending | 7+ years | $103,774 |
| Consumer Loan Credit Supervisor I | 7+ years | $95,495 |
| Consumer Loan Credit Supervisor II | 7+ years | $106,519 |
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 IV - Lendings. For example, consider the average annual salaries in these key locations:
Credit Analyst IV - Lending salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $110,570. While startup companies pay approximate $93,889.
| Company Size | Employees | Average Salary |
|---|---|---|
| Startup | 1~50 | $93,889 |
| Growth Stage | 51~500 | $99,218 |
| Established | 501~5000 | $106,872 |
| Enterprise | 5000+ | $110,570 |
For Credit Analyst IV - Lending roles, the industry you choose can impact your earning potential by as much as 30% (the gap between the highest and lowest paying industries). Data shows that the highest-paying industry, Business Services, offers compensation 15% above the average. Conversely, Credit Analyst IV - Lending positions in Edu., Gov't. & Nonprofit typically offer lower base pay, as this sector often view Credit Analyst IV - Lending as a support function rather than a direct revenue driver.
| Industry Sector | Average Annual Salary | Average Hourly Rate | Pay vs.Avg |
|---|---|---|---|
| Business Services | $119,347 | $57.0 | 15% |
Understanding how a Credit Analyst IV - 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 IV - 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 |
|---|---|---|
| Underwriting Manager - Mortgage Loans | $111,200 | 7% |
| Consumer Loan Credit Supervisor I | $95,500 | -8% |
Salaries for a Credit Analyst IV - Lending can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $109,490 in 2023 to around $107,772 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Credit Analyst IV - Lending salary trends, .
| Year | Average Annual Salary |
|---|---|
| 2022 |
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| 2023 | $109,490 |
| 2024 | $108,368 |
| 2025 | $107,772 |
| 2026 |
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| 2027 |
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The Business Services industry offers the highest average compensation for Credit Analyst IV - Lending roles, with salaries approximately 15% above the market median.
A Level 4 analyst collects, organizes, and studies data to provide business insights. This role typically requires a qualification equivalent to a higher national certificate (HNC) and has a typical duration of 24 months. In terms of salary, a Credit Analyst in Lending can expect to earn between $89,260 and $118,190, with a mid-salary of $103,850.
A Credit Analyst at Capital Bank typically earns a salary ranging from $89,260 to $118,190 annually, with a midpoint salary of $103,850. This range reflects the varying levels of experience and responsibilities within the role.
A financial analyst IV assesses and mitigates financial risks associated with third-party financial instruments like banks and insurance companies. They develop financial models to predict performance changes due to shifts in laws and regulations. The salary for this role typically ranges from $89,260 to $118,190, with a midpoint of $103,850.
The role of a credit analyst can indeed be stressful, as it involves making critical decisions about lending, including assessing whether individuals or companies can afford loans and determining appropriate interest rates. This responsibility is significant, especially considering the salary range for credit analysts, which typically falls between $89,260 and $118,190.
A Credit Analyst can be considered a well-paying job, with salaries ranging from $89,260 to $118,190. The midpoint salary is $103,850, indicating a competitive compensation package. While hourly rates may vary, the overall salary data reflects a strong earning potential in this field.
The Big 4 refers to the four largest accounting firms: Deloitte, PwC, KPMG, and EY. They offer a range of services including audit, assurance, consulting, financial advisory, risk management, and tax compliance. For roles like Credit Analyst in Lending, salaries typically range from $89,260 to $118,190, with a midpoint around $103,850.
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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