Salary AI Book a Demo
upper level job

Commercial Credit Analyst III Salary in the United States

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

As of August 01, 2026, the average salary for a Commercial Credit Analyst III in the United States is $92,486 per year, which breaks down to an hourly rate of $44.

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

  • Top Earners (90th percentile): $113,927
  • Majority Range (25th-75th percentile): $84,695 to $103,709
  • Entry-Level (10th percentile): $77,602
Salary Factors Salary-Boosting Skills Salary by Experience Related Job Salaries Top Paying Cities Explore Related Jobs

Key Factors That Influence Commercial Credit Analyst III Salaries

A Commercial Credit Analyst III'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 III Salaries?

Experience is a primary driver of a Commercial Credit Analyst III'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 IIIs 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 IIIs. For example, consider the average annual salaries in these key locations:
  • District of Columbia: $102,400.
  • California: $102,012.
  • Massachusetts: $100,653.

Top Paying Cities for Commercial Credit Analyst III

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: $116,653
  • San Francisco: $115,375
  • Oakland: $112,944

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

Demanded Skills for the Role:

  • Analysis (Mentioned in 20.61% 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 2.15% 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 1.29% 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 20.61%
Microsoft Office 2.15%
Customer Care 1.29%
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 III's salary.

  • PowerPoint: Can increase your salary by up to 9%.
  • Initiative: Can increase your salary by up to 8%.
  • Teamwork: Can increase your salary by up to 7%.
Skill Salary Salary % Increase
PowerPoint $100,810
9%
Initiative $99,885
8%
Teamwork $98,960
7%
Get Latest Data

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

Commercial Credit Analyst III salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $98,537. While startup companies pay approximate $83,672.

Commercial Credit Analyst III Salary by Company Size

Company Size Employees Average Salary
Startup 1~50 $83,672
Growth Stage 51~500 $88,420
Established 501~5000 $95,242
Enterprise 5000+ $98,537

Commercial Credit Analyst III Salary by Industry: Top Paying Sectors

For Commercial Credit Analyst III 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 III as a support function rather than a direct revenue driver.

The top paying industry for a Commercial Credit Analyst III

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Edu., Gov't. & Nonprofit$101,735$49.010%

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

Your level of education can impact your salary potential. While many Commercial Credit Analyst III 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 III with a Bachelor's Degree is between $87,555 and $95,424.

Commercial Credit Analyst III Salaries by Degree Level

Typical Education for Commercial Credit Analyst III
Degree Level % of user with this level of education
No Diploma 0.5%
High School 3.5%
Associates 2.5%
Bachelors 51.3%
Masters 41.7%
Doctorate 0.5%
View as Graph

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

Understanding how a Commercial Credit Analyst III'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
$84,695
Average $92,486/year
$103,709
$7,058
Average $7,707/month
$8,642
$1,629
Average $1,779/week
$1,994
$41
Average $44/hour
$50
Annual Salary Monthly Pay Weekly Pay Hourly Wage
75th Percentile $103,709 $8,642 $1,994 $50
Average $92,486 $7,707 $1,779 $44
25th Percentile $84,695 $7,058 $1,629 $41

Commercial Credit Analyst III Salary Growth & Career Path

Commercial Credit Analyst III

Next Role

Advancement

For a Commercial Credit Analyst III, the most direct path to higher earnings is advancing to the Commercial Credit Analyst IV role. This promotion typically comes with a significant pay increase, bringing the average annual salary to $107,098 - a projected growth of 16% over your current level.

Most common benefits for Commercial Credit Analyst III

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

Common company salaries for Commercial Credit Analyst III

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

Find Your Next Commercial Credit Analyst III Job

Ready to take the next step in your career? Browse thousands of current Commercial Credit Analyst III job openings on our job board. Use the search bar below to find your perfect match.

For Employees

Analyze the market and your qualifications to negotiate your salary with confidence.

Get a Salary Increase

Search thousands of open positions to find your next opportunity.

Search Job Openings

For Employers

Individualize employee pay based on unique job requirements and personal qualifications.

Adjust Employee Salary

Get the latest market price for benchmark jobs and jobs in your industry.

Price My Industry Jobs

FAQ about Commercial Credit Analyst III

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

A Commercial Credit Analyst III'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 III earns the most in San Jose, CA, where the annual salary of a Commercial Credit Analyst III is $116,653.

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

The highest pay for Commercial Credit Analyst III is $113,927.

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

The lowest pay for Commercial Credit Analyst III is $77,602.

4. What are the responsibilities of Commercial Credit Analyst III?

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 generally independent and collaborative in nature. Contributes to moderately complex aspects of a project. Typically requires 4 -7 years of related experience.

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

The Edu., Gov't. & Nonprofit industry offers the highest average compensation for Commercial Credit Analyst III 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.

Are you an HR manager or compensation specialist?

Salary.com's CompAnalyst platform offers:

  • Detailed skills and competency reports for specific positions
  • Job and employee pricing reports
  • Compensation data tools, salary structures, surveys and benchmarks.
Learn about CompAnalyst
lower level job