upper level job

Intermediate Credit Analyst Salary in the United States

How much does an Intermediate Credit Analyst make in the United States?

As of September 01, 2026, the average salary for an Intermediate Credit Analyst in the United States is $69,400 per year, which breaks down to an hourly rate of $33.

However, an Intermediate Credit Analyst's salary can vary significantly. Here’s a look at the typical salary range:

  • Top Earners (90th percentile): $85,448
  • Majority Range (25th-75th percentile): $60,000 to $77,800
  • Entry-Level (10th percentile): $51,442

Key Factors That Influence Intermediate Credit Analyst Salaries

An Intermediate Credit Analyst'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.

How Experience Level Affects Intermediate Credit Analyst Salaries?

Experience is a primary driver of an Intermediate Credit Analyst'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:

  • Entry Credit Analyst (0-2 years): $58,083
  • Intermediate Credit Analyst (2-4 years): $69,371
  • Senior Credit Analyst (4-7 years): $85,031
  • Credit Manager (7+ years): $117,652
  • Vice President of Credit (7+ years): $207,199
Job Role Years of Experience Average Salary
Entry Credit Analyst0-2 years$58,083
Intermediate Credit Analyst2-4 years$69,371
Senior Credit Analyst4-7 years$85,031
Credit Manager7+ years$117,652
Vice President of Credit7+ years$207,199

How Do Intermediate Credit Analyst Salaries Vary from State to State?

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 Intermediate Credit Analysts. For example, consider the average annual salaries in these key locations:
  • District of Columbia: $76,900.
  • California: $76,600.
  • Massachusetts: $75,500.

Top Paying Cities for Intermediate Credit Analysts

Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:

  • San Jose: $87,500
  • San Francisco: $86,600
  • Oakland: $84,800

What Skills Can Increase an Intermediate Credit Analyst's Salary?

Demanded Skills for the Role:

  • Analysis (Mentioned in 17.96% Job Postings): Analysis is the process of considering something carefully or using statistical methods in order to understand it or explain it.
  • Microsoft Office (Mentioned in 2.45% Job Postings): Microsoft Office is a suite of desktop productivity applications that is designed by Microsoft for business use. You can create documents containing text and images, work with data in spreadsheets and databases, create presentations and posters.
  • Loan Review (Mentioned in 1.02% Job Postings): Loan review is a process routinely used by banks to assess the current value of loan portfolios. Provisioning is a technique to translate loan review results into the balance sheet.
Skills Demand Percentage
Analysis 17.96%
Microsoft Office 2.45%
Loan Review 1.02%

What skills can make your compensation higher?

Mastering certain specialized skills can lead to a significant increase in pay. Here are examples of skills and the potential impact they can have on an Intermediate Credit Analyst's salary.

  • Due Diligence: Can increase your salary by up to 8%.
  • Risk Management: Can increase your salary by up to 8%.
  • Commercial Banking: Can increase your salary by up to 5%.
Skill Salary Salary % Increase
Due Diligence $74,952
8%
Risk Management $74,952
8%
Commercial Banking $72,870
5%

Intermediate Credit Analyst Salary by Company Size: Startups vs. Enterprise

Intermediate Credit Analyst salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $77,557. While startup companies pay approximate $65,606.

Intermediate Credit Analyst Salary by Company Size

Company Size Employees Average Salary
Startup 1~50 $65,606
Growth Stage 51~500 $69,385
Established 501~5000 $74,892
Enterprise 5000+ $77,557

Intermediate Credit Analyst Salary by Industry: Top Paying Sectors

For Intermediate Credit Analyst roles, the industry you choose can affect earning potential by as much as 83% (the gap between the highest and lowest paying industries). Data shows that the Pharmaceuticals and Financial Services sectors offer the strongest compensation, at 30% above the average. In contrast, Intermediate Credit Analyst positions in Transportation or Hospitality & Leisure typically offer lower base pay, as these industries often view Intermediate Credit Analyst as a support function rather than a direct revenue driver.

The top paying industries for an Intermediate Credit Analyst

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Pharmaceuticals$90,220$43.030%
Financial Services$86,750$42.025%
Software & Networking$83,280$40.020%
Biotechnology$79,810$38.015%
Insurance$77,728$37.012%

How Education impacts an Intermediate Credit Analyst's Salary?

Your level of education can impact your salary potential. While many Intermediate Credit Analysts enter the field with a Associate'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 an Intermediate Credit Analyst with a Associate's Degree is between $66,097 and $70,419).

Intermediate Credit Analyst Salaries by Degree Level

Typical Education for Intermediate Credit Analyst
Degree Level % of user with this level of education
No Diploma 8.2%
High School 8.2%
Associates 3.8%
Bachelors 57.7%
Masters 30.3%
Doctorate 0.0%

Intermediate Credit Analyst Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how an Intermediate Credit Analyst'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 September 01, 2026
$60,000
Average $69,400/year
$77,800
$5,000
Average $5,783/month
$6,483
$1,154
Average $1,335/week
$1,496
$29
Average $33/hour
$37
Annual Salary Monthly Pay Weekly Pay Hourly Wage
75th Percentile $77,800 $6,483 $1,496 $37
Average $69,400 $5,783 $1,335 $33
25th Percentile $60,000 $5,000 $1,154 $29

Intermediate Credit Analyst Salary Growth & Career Path

For an Intermediate Credit Analyst, the most direct path to higher earnings is advancing to the Senior Credit Analyst role. This promotion typically comes with a significant pay increase, bringing the average annual salary to $85,100 - a projected growth of 23% over your current level.

Most common benefits for Intermediate Credit Analyst

  • Social Security
  • 401 (k)
  • Disability
  • Healthcare
  • Pension
  • Time Off (days)

Common company salaries for Intermediate Credit Analyst

Here are companies hiring for Intermediate Credit Analyst and their salaries, click below for more details.

Find Your Next Intermediate Credit Analyst Job

Ready to take the next step in your career? Browse thousands of current Intermediate Credit Analyst job openings on our job board. Use the search bar below to find your perfect match.

For Employees

Analyze the market and your qualifications to negotiate your salary with confidence.

Get a Salary Increase

Search thousands of open positions to find your next opportunity.

Search Job Openings

For Employers

Individualize employee pay based on unique job requirements and personal qualifications.

Adjust Employee Salary

Get the latest market price for benchmark jobs and jobs in your industry.

Price My Industry Jobs

FAQ about Intermediate Credit Analyst

1. What industry pays the highest salary for Intermediate Credit Analyst?

The Pharmaceuticals industry offers the highest average compensation for Intermediate Credit Analyst roles, with salaries approximately 30% above the market median.

2. Do credit analysts make good money?

Credit analysts can earn a competitive salary. For an Intermediate Credit Analyst, the salary ranges from approximately $62,700 to $79,300, with a midpoint around $70,300. This reflects a solid earning potential, especially as one progresses in their career, potentially reaching higher salaries at senior levels.

3. Do I need a degree to be a credit analyst?

To pursue a career as a credit analyst, a bachelor's degree in business, finance, or accounting is typically required. Alternatively, an associate degree combined with relevant experience in a financial institution may suffice. As for salary expectations, an Intermediate Credit Analyst can earn between $62,700 and $79,300, with a median salary of $70,300.

4. What are the 5 C's of credit?

The five Cs of credit are crucial for lenders assessing financial products. They evaluate character, capacity, capital, collateral, and conditions to determine approval and set loan rates and terms. For an Intermediate Credit Analyst, the salary ranges from $62,700 to $79,300, with a midpoint of $70,300, reflecting the importance of these factors in the lending process.

5. What is the salary of Credit Analyst in HSBC?

The salary of an Intermediate Credit Analyst typically ranges from ₹62,700 to ₹79,300. This reflects the compensation for professionals with varying levels of experience, providing a competitive salary structure within the industry.

6. What is the highest salary for a credit analyst?

The highest salary for an Intermediate Credit Analyst is $79,300 per year. This position typically offers a salary range with a minimum of $62,700 and a midpoint of $70,300. Top-paying industries for Credit Analysts often include finance, investment banking, and corporate finance.

7. What is the lowest salary for a financial analyst?

The lowest salary for an Intermediate Credit Analyst is $62,700. The salary range typically spans from $62,700 to $79,300, with a midpoint of $70,300. This reflects the competitive compensation for this role in the financial sector.

Where Does Our Salary Data Come From?

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.)

With the most extensive online, real-time compensation data available, Salary.com helps you pinpoint your exact pay target.

Are you an HR manager or compensation specialist?

Salary.com's CompAnalyst platform offers:

  • Detailed skills and competency reports for specific positions
  • Job and employee pricing reports
  • Compensation data tools, salary structures, surveys and benchmarks.
Learn about CompAnalyst
lower level job