As of March 01, 2025, the average annual salary for a Commercial Credit Analyst I in the United States is $60,988. Salary.com reports that pay typically ranges from $53,788 to $67,969, with most professionals earning between $47,232 and $74,325.
| Annual Salary |
Monthly Pay |
Weekly Pay |
Hourly Wage |
|
| 75th Percentile | $67,969 | $5,664 | $1,307 | $33 |
| Average | $60,988 | $5,082 | $1,173 | $29 |
| 25th Percentile | $53,788 | $4,482 | $1,034 | $26 |
An entry-level Commercial Credit Analyst I with less than 1 year of experience earns about $59,687. With 1-2 years of experience, the average salary increases to $60,423. For 2-4 years of experience, the pay typically rises to $61,966. Senior-level professionals with 5-8 years of experience earn around $62,274, and those with over 8 years of experience can expect an average of $62,480.
| Levels | Salary |
|---|---|
| Entry Level Commercial Credit Analyst I | $59,687 |
| Intermediate Level Commercial Credit Analyst I | $60,423 |
| Senior Level Commercial Credit Analyst I | $61,966 |
| Specialist Level Commercial Credit Analyst I | $62,274 |
| Expert Level Commercial Credit Analyst I | $62,480 |
| Entry Level | 2% |
| Mid Level | 1% |
| Senior Level | 2% |
| Top Level | 2% |
| Experienced | 2% |
Salaries in the United States differ widely between states due to factors like cost of living, local economies, and industry presence.
What Am I Worth?
Salaries in the United States can vary greatly between cities due to factors like cost of living, local economies, and industry presence.
As of March 01, 2025, our research reveals a significant shift in Commercial Credit Analyst I compensation over the past six years. For example, the median salary increased from $60,637 in 2023 to approximately $59,757 in 2024. (For a detailed analysis of Commercial Credit Analyst I salary trends, click here.)
Key factors like location, experience, industry demand, and economic growth significantly influence salary variations, making them important to consider.
Salary.com job board provides millions of Commercial Credit Analyst I information for you to search for. Click on search button below to see Commercial Credit Analyst I job openings or enter a new job title here.
Here are companies hiring for Commercial Credit Analyst I and their salaries, click below for more details.
| Core Compensation | ||||
| Core Compensation | Median | % of Total | ||
| Base Salary | $60,988 | 69.3% | ||
| Bonus | $1,602 | 1.8% | ||
| Value of Benefits | ||||
| Core Compensation | Median | % of Total | ||
| Social Security | $4,788 | 5.4% | ||
| 401K/403B | $2,942 | 3.3% | ||
| Disability | $501 | 0.6% | ||
| Healthcare | $6,056 | 6.9% | ||
| Pension | $3,442 | 3.9% | ||
| Time Off | $7,703 | 8.8% | ||
| Total Compensation | $88,022 | 100% | ||
| Degree Level | % of user with this level of education |
|---|---|
| No Diploma | 0.3% |
| High School | 3.2% |
| Associates | 1.5% |
| Bachelors | 77.1% |
| Masters | 17.9% |
What Am I Worth?
The average annual salary of Commercial Credit Analyst I is $60,988. In case you are finding an easy salary calculator, the average hourly pay of Commercial Credit Analyst I is $29; the average weekly pay of Commercial Credit Analyst I is $1,173; the average monthly pay of Commercial Credit Analyst I is $5,082.
A Commercial Credit Analyst I's earning potential can vary widely depending on several factors, including location, industry, experience, education, and the specific employer. According to the latest salary data by Salary.com, a Commercial Credit Analyst I earns the most in San Jose, CA, where the annual salary of a Commercial Credit Analyst I is $76,540.
The highest pay for Commercial Credit Analyst I is $74,325.
The lowest pay for Commercial Credit Analyst I is $47,232.
Commercial Credit Analyst I collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Being a Commercial Credit Analyst I calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Additionally, Commercial Credit Analyst I presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. The Commercial Credit Analyst I work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Commercial Credit Analyst I typically requires 0-2 years of related experience.
Specify the abilities and skills that a person needs in order to carry out the specified job duties. Each competency has five to ten behavioral assertions that can be observed, each with a corresponding performance level (from one to five) that is required for a particular job.
Analysis: Analysis is the process of considering something carefully or using statistical methods in order to understand it or explain it.
Microsoft Office: 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.
Credit Reports: Credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts. It allows to check for any delinquency in past and present credit accounts.
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