As of March 01, 2025, the average annual salary for a Commercial Credit Analyst II in the United States is $74,612. According to Salary.com, salaries can range from a low of $56,730 to a high of $95,405, with most professionals earning between $65,252 and $85,496.
| Annual Salary |
Monthly Pay |
Weekly Pay |
Hourly Wage |
|
| 75th Percentile | $85,496 | $7,125 | $1,644 | $41 |
| Average | $74,612 | $6,218 | $1,435 | $36 |
| 25th Percentile | $65,252 | $5,438 | $1,255 | $31 |
An entry-level Commercial Credit Analyst II with less than 1 year of experience earns about $70,632. With 1-2 years of experience, the average salary increases to $70,907. For 2-4 years of experience, the pay typically rises to $74,468. Senior-level professionals with 5-8 years of experience earn around $78,959, and those with over 8 years of experience can expect an average of $79,279.
| Levels | Salary |
|---|---|
| Entry Level Commercial Credit Analyst II | $70,632 |
| Intermediate Level Commercial Credit Analyst II | $70,907 |
| Senior Level Commercial Credit Analyst II | $74,468 |
| Specialist Level Commercial Credit Analyst II | $78,959 |
| Expert Level Commercial Credit Analyst II | $79,279 |
| Entry Level | 5% |
| Mid Level | 5% |
| Senior Level | 0% |
| Top Level | 6% |
| Experienced | 6% |
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 II compensation over the past six years. For example, the median salary increased from $72,148 in 2023 to approximately $72,165 in 2024. (For a detailed analysis of Commercial Credit Analyst II 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 II information for you to search for. Click on search button below to see Commercial Credit Analyst II job openings or enter a new job title here.
Here are companies hiring for Commercial Credit Analyst II and their salaries, click below for more details.
| Core Compensation | ||||
| Core Compensation | Median | % of Total | ||
| Base Salary | $74,612 | 69.1% | ||
| Bonus | $3,216 | 3.0% | ||
| Value of Benefits | ||||
| Core Compensation | Median | % of Total | ||
| Social Security | $5,954 | 5.5% | ||
| 401K/403B | $3,658 | 3.4% | ||
| Disability | $623 | 0.6% | ||
| Healthcare | $6,056 | 5.6% | ||
| Pension | $4,281 | 4.0% | ||
| Time Off | $9,579 | 8.9% | ||
| Total Compensation | $107,978 | 100% | ||
| Degree Level | % of user with this level of education |
|---|---|
| High School | 2.5% |
| Associates | 2.1% |
| Bachelors | 66.7% |
| Masters | 28.0% |
| Doctorate | 0.7% |
What Am I Worth?
The average annual salary of Commercial Credit Analyst II is $74,612. In case you are finding an easy salary calculator, the average hourly pay of Commercial Credit Analyst II is $36; the average weekly pay of Commercial Credit Analyst II is $1,435; the average monthly pay of Commercial Credit Analyst II is $6,218.
A Commercial Credit Analyst II'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 II earns the most in San Jose, CA, where the annual salary of a Commercial Credit Analyst II is $93,638.
The highest pay for Commercial Credit Analyst II is $95,405.
The lowest pay for Commercial Credit Analyst II is $56,730.
Commercial Credit Analyst II 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 II 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 II 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 II occasionally directed in several aspects of the work. Gaining exposure to some of the complex tasks within the job function. To be a Commercial Credit Analyst II typically requires 2 -4 years of related experience.
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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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