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Specialist Commercial Credit Analyst Salary in the United States

How much does a Specialist Commercial Credit Analyst make in the United States?

As of March 01, 2026, the average salary for a Specialist Commercial Credit Analyst in the United States is $107,100 per year, which breaks down to an hourly rate of $51.

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

  • Top Earners (90th percentile): $121,046
  • Majority Range (25th-75th percentile): $98,300 to $114,400
  • Entry-Level (10th percentile): $90,288
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View as table View as graph 25% $98,300 10% $90,288 90% $121,046 75% $114,400 $107,100 50%(Median) Didn’t find job title? Click

Specialist Commercial Credit Analyst Salaries by Percentile

Annual
Salary
Monthly
Pay
Weekly
Pay
Hourly
Wage
75th Percentile $114,400 $9,533 $2,200 $55
Average $107,100 $8,925 $2,060 $51
25th Percentile $98,300 $8,192 $1,890 $47
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Key Factors That Influence Specialist Commercial Credit Analyst Salaries

A Specialist Commercial 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 Specialist Commercial Credit Analyst Salaries?

Experience is a primary driver of a Specialist Commercial 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 Commercial Credit Analyst (0-2 years): $63,060
  • Intermediate Commercial Credit Analyst (2-4 years): $74,544
  • Senior Commercial Credit Analyst (4-7 years): $92,497
  • Specialist Commercial Credit Analyst (7+ years): $107,092
  • Commercial Loan Credit Analysis Manager (7+ years): $122,147
Job Role Years of Experience Average Salary
Entry Commercial Credit Analyst0-2 years$63,060
Intermediate Commercial Credit Analyst2-4 years$74,544
Senior Commercial Credit Analyst4-7 years$92,497
Specialist Commercial Credit Analyst7+ years$107,092
Commercial Loan Credit Analysis Manager7+ years$122,147
$63,060 Entry Com...
$74,544 Intermedi...
$92,497 Senior Co...
$107,092 Specialis...
$122,147 Commercia...
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What Am I Worth?

Top Paying Cities for Specialist Commercial 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: $135,100
  • San Francisco: $133,800
  • Oakland: $130,800

What Skills Can Increase a Specialist Commercial Credit Analyst's Salary?

Demanded Skills for the Role:

  • Analysis (Mentioned in 13.81% Job Postings): Analysis is the process of considering something carefully or using statistical methods in order to understand it or explain it.
  • Credit Analysis (Mentioned in 3% Job Postings): Credit analysis is the method by which one calculates the creditworthiness of a business or organization. In other words, It is the evaluation of the ability of a company to honor its financial obligations. The audited financial statements of a large company might be analyzed when it issues or has issued bonds. Or, a bank may analyze the financial statements of a small business before making or renewing a commercial loan. The term refers to either case, whether the business is large or small. The objective of credit analysis is to look at both the borrower and the lending facility being proposed and to assign a risk rating. The risk rating is derived by estimating the probability of default by the borrower at a given confidence level over the life of the facility, and by estimating the amount of loss that the lender would suffer in the event of default. Credit analysis involves a wide variety of financial analysis techniques, including ratio and trend analysis as well as the creation of projections and a detailed analysis of cash flows. Credit analysis also includes an examination of collateral and other sources of repayment as well as credit history and management ability. Analysts attempt to predict the probability that a borrower will default on its debts, and also the severity of losses in the event of default. Credit spreads—the difference in interest rates between theoretically "risk-free" investments such as U.S. treasuries or LIBOR and investments that carry some risk of default—reflect credit analysis by financial market participants.
  • Economics (Mentioned in 1.47% Job Postings): Economics is a social science that focuses on the production, distribution, and consumption of goods and services, and analyzes the choices that individuals, businesses, governments, and nations make to allocate resources.
See More Skills
Skills Demand Percentage
Analysis 13.81%
Credit Analysis 3%
Economics 1.47%
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 a Specialist Commercial Credit Analyst's salary.
  • Microsoft Excel: Can increase your salary by up to 20%.
  • Analytical Skills: Can increase your salary by up to 20%.
  • Teamwork: Can increase your salary by up to 19%.
Skill Salary Salary % Increase
Microsoft Excel
$128,520
20%
Analytical Skills
$128,520
20%
Teamwork
$127,449
19%
Cash Flow Analysis
$122,094
14%
Integrity
$122,094
14%
Time Management
$119,952
12%
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How Education impacts a Specialist Commercial Credit Analyst's Salary?

Your level of education can impact your salary potential. While many Specialist Commercial Credit Analysts enter the field with a No Diploma 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 Specialist Commercial Credit Analyst with a No Diploma is between $100,085 and $109,500).

Specialist Commercial Credit Analyst Salaries by Degree Level

Typical Education for Specialist Commercial Credit Analyst
Degree Level % of user with this level of education
No Diploma 50.0%
High School 50.0%
Associates 0.0%
Bachelors 50.0%
Masters 50.0%
Doctorate 0.0%
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Specialist Commercial Credit Analyst Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Specialist Commercial 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 March 01, 2026

Specialist Commercial Credit Analyst Salary Growth & Career Path

For a Specialist Commercial Credit Analyst, the most direct path to higher earnings is advancing to the Commercial Loan Credit Analysis Manager role. This promotion typically comes with a significant pay increase, bringing the average annual salary to $122,200 - a projected growth of 14% over your current level.

Salary Trends for Specialist Commercial Credit Analyst

Salaries for a Specialist Commercial Credit Analyst can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $111,378 in 2023 to around $108,054 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Specialist Commercial Credit Analyst salary trends, .

Average Annual Salary of Specialist Commercial Credit Analyst Over Time

2022
$???
2023
$111,378
2024
$109,574
2025
$108,054
2026
$???
2027
$???
Year Average Annual Salary
2022
View More
2023 $111,378
2024 $109,574
2025 $108,054
2026
View More
2027
View More

Most common benefits for Specialist Commercial Credit Analyst

Social Security
401(k)
Disability
Healthcare
Pension
Time Off (days)
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Common company salaries for Specialist Commercial Credit Analyst

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

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

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FAQ about Specialist Commercial Credit Analyst

1. What do commercial credit analysts do?

Commercial Credit Analysts evaluate credit data and financial statements of individuals or businesses to assess the risk of extending credit or lending money. They prepare detailed reports with credit information to aid in decision-making. The salary for this role ranges from $94,000 to $134,500, with a median salary of $110,200.

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

The 5 C's of credit are Character, Capacity, Capital, Collateral, and Conditions. Character assesses the borrower's reliability, Capacity evaluates their ability to repay, Capital refers to their financial resources, Collateral is the asset pledged for the loan, and Conditions consider the economic environment. As a Specialist Commercial Credit Analyst, you can expect a salary ranging from $94,000 to $134,500, with a midpoint of $110,200.

3. How much do commercial analysts make at Glassdoor?

The estimated total pay for a Specialist Commercial Credit Analyst ranges from $94,000 to $134,500 per year, with a mid-salary of $110,200. This reflects the competitive compensation for this role, highlighting the value placed on expertise in commercial credit analysis.

4. Is a credit analyst a high paying job?

A Specialist Commercial Credit Analyst can expect a salary range from $94,000 to $134,500, with a median salary of $110,200. This indicates that the role is relatively high-paying, especially compared to many other positions, and compensation can vary based on experience and expertise.

5. Does an analyst or specialist make more money?

An analyst can have a higher income potential than a specialist, depending on the specific job title. For example, a Specialist Commercial Credit Analyst has a salary range from $94,000 to $134,500, with a midpoint of $110,200. In contrast, some analyst roles, especially in larger corporations, may offer higher earnings based on experience and responsibilities.

6. What does a commercial credit analyst do?

A Specialist Commercial Credit Analyst evaluates the creditworthiness of businesses seeking loans or credit. They analyze financial statements, assess risk, and make recommendations based on their findings. The salary for this role typically ranges from $94,000 to $134,500, with a median salary of $110,200, reflecting the expertise and responsibility involved in the position.

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.

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