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Commercial Credit Analyst I Salary in the United States

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

As of August 01, 2026, the average salary for a Commercial Credit Analyst I in the United States is $63,062 per year, which breaks down to an hourly rate of $30.

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

  • Top Earners (90th percentile): $78,227
  • Majority Range (25th-75th percentile): $57,475 to $71,000
  • Entry-Level (10th percentile): $52,388
Salary Factors Salary-Boosting Skills Salary by Experience Related Job Salaries Top Paying Cities Explore Related Jobs

Key Factors That Influence Commercial Credit Analyst I Salaries

A Commercial Credit Analyst I'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 Commercial Credit Analyst I Salaries?

Experience is a primary driver of a Commercial Credit Analyst I'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:

  • Commercial Credit Analyst I (0-2 years): $63,062
  • Commercial Credit Analyst II (2-4 years): $74,530
  • Commercial Credit Analyst III (4-7 years): $92,486
  • Commercial Credit Analyst IV (7+ years): $107,098
  • Commercial Credit Analysis Manager (7+ years): $122,135
Job Role Years of Experience Average Salary
Commercial Credit Analyst I0-2 years$63,062
Commercial Credit Analyst II2-4 years$74,530
Commercial Credit Analyst III4-7 years$92,486
Commercial Credit Analyst IV7+ years$107,098
Commercial Credit Analysis Manager7+ years$122,135
View as Graph

How Do Commercial Credit Analyst Is 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 Commercial Credit Analyst Is. For example, consider the average annual salaries in these key locations:
  • District of Columbia: $69,822.
  • California: $69,557.
  • Massachusetts: $68,630.

Top Paying Cities for Commercial Credit Analyst I

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: $79,540
  • San Francisco: $78,669
  • Oakland: $77,011

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

Demanded Skills for the Role:

  • Analysis (Mentioned in 20.75% Job Postings): Analysis is the process of considering something carefully or using statistical methods in order to understand it or explain it.
  • Tax Return (Mentioned in 1.91% Job Postings): Calculating an entity’s income earned with the amount of tax payable to the government, organizations, or potential taxpayers.
  • Credit Reports (Mentioned in 1.14% Job Postings): 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.
Skills Demand Percentage
Analysis 20.75%
Tax Return 1.91%
Credit Reports 1.14%
See More Skills

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 Commercial Credit Analyst I's salary.

  • Relationship Management: Can increase your salary by up to 11%.
  • Client Relationship: Can increase your salary by up to 11%.
  • Insight: Can increase your salary by up to 10%.
Skill Salary Salary % Increase
Relationship Management $69,999
11%
Client Relationship $69,999
11%
Insight $69,368
10%
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Commercial Credit Analyst I Salary by Company Size: Startups vs. Enterprise

Commercial Credit Analyst I salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $67,188. While startup companies pay approximate $57,052.

Commercial Credit Analyst I Salary by Company Size

Company Size Employees Average Salary
Startup 1~50 $57,052
Growth Stage 51~500 $60,290
Established 501~5000 $64,941
Enterprise 5000+ $67,188

Commercial Credit Analyst I Salary by Industry: Top Paying Sectors

For Commercial Credit Analyst I 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, Edu., Gov't. & Nonprofit, offers compensation 15% above the average. Conversely, Commercial Credit Analyst positions in Business Services typically offer lower base pay, as this sector often view Commercial Credit Analyst I as a support function rather than a direct revenue driver.

The top paying industry for a Commercial Credit Analyst I

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Edu., Gov't. & Nonprofit$72,521$35.015%

How Education impacts an Commercial Credit Analyst I's Salary?

Your level of education can impact your salary potential. While many Commercial Credit Analyst I enter the field with a Bachelor's 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 Commercial Credit Analyst I with a Bachelor's Degree is between $57,033 and $60,937.

Commercial Credit Analyst I Salaries by Degree Level

Typical Education for Commercial Credit Analyst I
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%
Doctorate 0.0%
View as Graph

Commercial Credit Analyst I Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Commercial Credit Analyst I'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, 2026
$57,475
Average $63,062/year
$71,000
$4,790
Average $5,255/month
$5,917
$1,105
Average $1,213/week
$1,365
$28
Average $30/hour
$34
Annual Salary Monthly Pay Weekly Pay Hourly Wage
75th Percentile $71,000 $5,917 $1,365 $34
Average $63,062 $5,255 $1,213 $30
25th Percentile $57,475 $4,790 $1,105 $28

Commercial Credit Analyst I Salary Growth & Career Path

Commercial Credit Analyst I

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Advancement

For a Commercial Credit Analyst I, the most direct path to higher earnings is advancing to the Commercial Credit Analyst II role. This promotion typically comes with a significant pay increase, bringing the average annual salary to $74,530 - a projected growth of 18% over your current level.

Most common benefits for Commercial Credit Analyst I

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

Common company salaries for Commercial Credit Analyst I

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

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FAQ about Commercial Credit Analyst I

1. Where can a Commercial Credit Analyst I earn the most?

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 $79,540.

2. What is the highest pay for Commercial Credit Analyst I?

The highest pay for Commercial Credit Analyst I is $78,227.

3. What is the lowest pay for Commercial Credit Analyst I?

The lowest pay for Commercial Credit Analyst I is $52,388.

4. What are the responsibilities of 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. 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. Presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. Work is closely managed. Works on projects/matters of limited complexity in a support role. Typically requires 0-2 years of related experience.

5. What industry pays the highest salary for Commercial Credit Analyst I?

The Edu., Gov't. & Nonprofit industry offers the highest average compensation for Commercial Credit Analyst I roles, with salaries approximately 15% above the market median.

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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