As of March 01, 2025, the average annual salary for a Commercial Credit Analyst IV in the United States is $110,721. Salary.com reports that pay typically ranges from $94,428 to $135,101, with most professionals earning between $79,595 and $157,297.
| Annual Salary |
Monthly Pay |
Weekly Pay |
Hourly Wage |
|
| 75th Percentile | $135,101 | $11,258 | $2,598 | $65 |
| Average | $110,721 | $9,227 | $2,129 | $53 |
| 25th Percentile | $94,428 | $7,869 | $1,816 | $45 |
An entry-level Commercial Credit Analyst IV with less than 1 year of experience earns about $100,918. With 1-2 years of experience, the average salary increases to $102,119. For 2-4 years of experience, the pay typically rises to $104,040. Senior-level professionals with 5-8 years of experience earn around $106,922, and those with over 8 years of experience can expect an average of $111,838.
| Levels | Salary |
|---|---|
| Entry Level Commercial Credit Analyst IV | $100,918 |
| Intermediate Level Commercial Credit Analyst IV | $102,119 |
| Senior Level Commercial Credit Analyst IV | $104,040 |
| Specialist Level Commercial Credit Analyst IV | $106,922 |
| Expert Level Commercial Credit Analyst IV | $111,838 |
| Entry Level | 9% |
| Mid Level | 8% |
| Senior Level | 6% |
| Top Level | 3% |
| Experienced | 1% |
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 IV compensation over the past six years. For example, the median salary increased from $111,378 in 2023 to approximately $109,574 in 2024. (For a detailed analysis of Commercial Credit Analyst IV 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 IV information for you to search for. Click on search button below to see Commercial Credit Analyst IV job openings or enter a new job title here.
Here are companies hiring for Commercial Credit Analyst IV and their salaries, click below for more details.
| Core Compensation | ||||
| Core Compensation | Median | % of Total | ||
| Base Salary | $110,721 | 68.3% | ||
| Bonus | $8,430 | 5.2% | ||
| Value of Benefits | ||||
| Core Compensation | Median | % of Total | ||
| Social Security | $9,115 | 5.6% | ||
| 401K/403B | $5,600 | 3.5% | ||
| Disability | $953 | 0.6% | ||
| Healthcare | $6,056 | 3.7% | ||
| Pension | $6,553 | 4.0% | ||
| Time Off | $14,665 | 9.0% | ||
| Total Compensation | $162,092 | 100% | ||
| Degree Level | % of user with this level of education |
|---|---|
| Bachelors | 50.0% |
| Masters | 50.0% |
What Am I Worth?
The average annual salary of Commercial Credit Analyst IV is $110,721. In case you are finding an easy salary calculator, the average hourly pay of Commercial Credit Analyst IV is $53; the average weekly pay of Commercial Credit Analyst IV is $2,129; the average monthly pay of Commercial Credit Analyst IV is $9,227.
A Commercial Credit Analyst IV'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 IV earns the most in San Jose, CA, where the annual salary of a Commercial Credit Analyst IV is $138,955.
The highest pay for Commercial Credit Analyst IV is $157,297.
The lowest pay for Commercial Credit Analyst IV is $79,595.
Commercial Credit Analyst IV 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 IV 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 IV 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 IV work is highly independent. May assume a team lead role for the work group. A specialist on complex technical and business matters. To be a Commercial Credit Analyst IV typically requires 7+ years of related experience.
Specify the abilities and skills that a person needs in order to carry out the specified job duties. Each competency has five to ten behavioral assertions that can be observed, each with a corresponding performance level (from one to five) that is required for a particular job.
Analysis: Analysis is the process of considering something carefully or using statistical methods in order to understand it or explain it.
Commercial Loans: A commercial loan is a debt-based funding arrangement between a business and a financial institution such as a bank. It is typically used to fund major capital expenditures and/or cover operational costs that the company may otherwise be unable to afford.
Credit Card: A credit card is a type of credit facility, provided by banks that allow customers to borrow funds within a pre-approved credit limit.
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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