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Commercial Credit Analyst II Salary in the United States

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

As of August 01, 2026, the average salary for a Commercial Credit Analyst II in the United States is $74,530 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:

  • Top Earners (90th percentile): $84,294
  • Majority Range (25th-75th percentile): $62,711 to $79,641
  • Entry-Level (10th percentile): $51,950
Salary Factors Salary-Boosting Skills Salary by Experience Related Job Salaries Top Paying Cities Explore Related Jobs

Key Factors That Influence Commercial Credit Analyst II Salaries

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.

How Experience Level Affects Commercial Credit Analyst II Salaries?

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:

  • 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 IIs 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 IIs. For example, consider the average annual salaries in these key locations:
  • District of Columbia: $82,520.
  • California: $82,207.
  • Massachusetts: $81,111.

Top Paying Cities for Commercial Credit Analyst II

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: $94,005
  • San Francisco: $92,975
  • Oakland: $91,016

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

Demanded Skills for the Role:

  • Analysis (Mentioned in 20.47% Job Postings): Analysis is the process of considering something carefully or using statistical methods in order to understand it or explain it.
  • Microsoft Office (Mentioned in 2.16% Job Postings): 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.
  • Customer Care (Mentioned in 1.16% Job Postings): Customer care is the process of building an emotional connection with your customers, whereas customer service is simply the advice or assistance your business provides them.
Skills Demand Percentage
Analysis 20.47%
Microsoft Office 2.16%
Customer Care 1.16%
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 II's salary.

  • Customer Care: Can increase your salary by up to 24%.
  • Process Improvement: Can increase your salary by up to 9%.
  • Credit Risk: Can increase your salary by up to 7%.
Skill Salary Salary % Increase
Customer Care $92,417
24%
Process Improvement $81,238
9%
Credit Risk $79,747
7%
Get Latest Data

Commercial Credit Analyst II Salary by Company Size: Startups vs. Enterprise

Commercial Credit Analyst II salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $79,406. While startup companies pay approximate $67,427.

Commercial Credit Analyst II Salary by Company Size

Company Size Employees Average Salary
Startup 1~50 $67,427
Growth Stage 51~500 $71,254
Established 501~5000 $76,751
Enterprise 5000+ $79,406

Commercial Credit Analyst II Salary by Industry: Top Paying Sectors

For Commercial Credit Analyst II roles, the industry you choose can impact your earning potential by as much as 20% (the gap between the highest and lowest paying industries). Data shows that the highest-paying industry, Edu., Gov't. & Nonprofit, offers compensation 10% above the average. Conversely, Commercial Credit Analyst positions in Business Services typically offer lower base pay, as this sector often view Commercial Credit Analyst II as a support function rather than a direct revenue driver.

The top paying industry for a Commercial Credit Analyst II

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Edu., Gov't. & Nonprofit$81,983$39.010%

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

Your level of education can impact your salary potential. While many Commercial Credit Analyst II 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 II with a Bachelor's Degree is between $69,942 and $75,270.

Commercial Credit Analyst II Salaries by Degree Level

Typical Education for Commercial Credit Analyst II
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%
View as Graph

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

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 August 01, 2026
$62,711
Average $74,530/year
$79,641
$5,226
Average $6,211/month
$6,637
$1,206
Average $1,433/week
$1,532
$30
Average $36/hour
$38
Annual Salary Monthly Pay Weekly Pay Hourly Wage
75th Percentile $79,641 $6,637 $1,532 $38
Average $74,530 $6,211 $1,433 $36
25th Percentile $62,711 $5,226 $1,206 $30

Commercial Credit Analyst II Salary Growth & Career Path

Commercial Credit Analyst II

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Advancement

For 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 $92,486 - a projected growth of 24% over your current level.

Most common benefits for Commercial Credit Analyst II

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

Common company salaries for Commercial Credit Analyst II

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

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FAQ about Commercial Credit Analyst II

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

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 $94,005.

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

The highest pay for Commercial Credit Analyst II is $84,294.

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

The lowest pay for Commercial Credit Analyst II is $51,950.

4. What are the responsibilities of 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. 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.

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

The Edu., Gov't. & Nonprofit industry offers the highest average compensation for Commercial Credit Analyst II roles, with salaries approximately 10% 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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