As of March 01, 2026, the average salary for a Commercial Credit Analyst II in the United States is $74,544 per year, which breaks down to an hourly rate of $36.
However, a Commercial Credit Analyst II's salary can vary significantly. Here’s a look at the typical salary range:
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A Commercial Credit Analyst II'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.
Experience is a primary driver of a Commercial Credit Analyst II'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:
| Job Role | Years of Experience | Average Salary |
|---|---|---|
| Commercial Credit Analyst I | 0-2 years | $63,060 |
| Commercial Credit Analyst II | 2-4 years | $74,544 |
| Commercial Credit Analyst III | 4-7 years | $92,497 |
| Commercial Credit Analyst IV | 7+ years | $107,092 |
| Commercial Credit Analysis Manager | 7+ years | $122,147 |
What Am I Worth?
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 IIs. For example, consider the average annual salaries in these key locations:
Demanded Skills for the Role:
| Skills | Demand Percentage |
|---|---|
| Analysis | 20.47% |
| Microsoft Office | 2.16% |
| Customer Care | 1.16% |
| Skill | Salary | Salary % Increase |
|---|---|---|
|
Customer Care
|
$92,435 |
24%
|
|
Process Improvement
|
$81,253 |
9%
|
|
Credit Risk
|
$79,762 |
7%
|
|
Balance Sheet
|
$78,271 |
5%
|
|
Initiative
|
$78,271 |
5%
|
|
Products and Services
|
$77,526 |
4%
|
Your level of education can impact your salary potential. While many Commercial Credit Analyst IIs enter the field with a Bachelor'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 a Commercial Credit Analyst II with a Bachelor's Degree is between $69,942 and $75,270).
Commercial Credit Analyst II Salaries by Degree Level
| Degree Level | % of user with this level of education |
|---|---|
| No Diploma | 2.5% |
| High School | 2.5% |
| Associates | 2.1% |
| Bachelors | 66.7% |
| Masters | 28.0% |
| Doctorate | 0.7% |
Understanding how a Commercial Credit Analyst II'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, 2026For a Commercial Credit Analyst II, the most direct path to higher earnings is advancing to the Commercial Credit Analyst III role. This promotion typically comes with a significant pay increase, bringing the average annual salary to $92,497 - a projected growth of 24% over your current level.
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Compensation PlanningHere are companies hiring for Commercial Credit Analyst II and their salaries, click below for more details.
Ready to take the next step in your career? Browse thousands of current Commercial Credit Analyst II job openings on our job board. Use the search bar below to find your perfect match.
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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 $94,022.
The highest pay for Commercial Credit Analyst II is $84,291.
The lowest pay for Commercial Credit Analyst II is $51,957.
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. Occasionally directed in several aspects of the work. Gaining exposure to some of the complex tasks within the job function. Typically requires 2 -4 years of related experience.
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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