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Commercial Credit Analyst IV Salary in the United States

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

As of August 01, 2026, the average salary for a Commercial Credit Analyst IV in the United States is $107,098 per year, which breaks down to an hourly rate of $51.

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

  • Top Earners (90th percentile): $121,006
  • Majority Range (25th-75th percentile): $98,264 to $114,378
  • Entry-Level (10th percentile): $90,221
Salary Factors Salary-Boosting Skills Salary by Experience Related Job Salaries Top Paying Cities Explore Related Jobs

Key Factors That Influence Commercial Credit Analyst IV Salaries

A Commercial Credit Analyst IV'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 IV Salaries?

Experience is a primary driver of a Commercial Credit Analyst IV'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 IVs 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 IVs. For example, consider the average annual salaries in these key locations:
  • District of Columbia: $118,579.
  • California: $118,129.
  • Massachusetts: $116,555.

Top Paying Cities for Commercial Credit Analyst IV

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: $135,083
  • San Francisco: $133,604
  • Oakland: $130,788

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

Demanded Skills for the Role:

  • Analysis (Mentioned in 13.81% Job Postings): Analysis is the process of considering something carefully or using statistical methods in order to understand it or explain it.
  • Credit Analysis (Mentioned in 3% Job Postings): Credit analysis is the method by which one calculates the creditworthiness of a business or organization. In other words, It is the evaluation of the ability of a company to honor its financial obligations. The audited financial statements of a large company might be analyzed when it issues or has issued bonds. Or, a bank may analyze the financial statements of a small business before making or renewing a commercial loan. The term refers to either case, whether the business is large or small. The objective of credit analysis is to look at both the borrower and the lending facility being proposed and to assign a risk rating. The risk rating is derived by estimating the probability of default by the borrower at a given confidence level over the life of the facility, and by estimating the amount of loss that the lender would suffer in the event of default. Credit analysis involves a wide variety of financial analysis techniques, including ratio and trend analysis as well as the creation of projections and a detailed analysis of cash flows. Credit analysis also includes an examination of collateral and other sources of repayment as well as credit history and management ability. Analysts attempt to predict the probability that a borrower will default on its debts, and also the severity of losses in the event of default. Credit spreads—the difference in interest rates between theoretically "risk-free" investments such as U.S. treasuries or LIBOR and investments that carry some risk of default—reflect credit analysis by financial market participants.
  • Economics (Mentioned in 1.47% Job Postings): Economics is a social science that focuses on the production, distribution, and consumption of goods and services, and analyzes the choices that individuals, businesses, governments, and nations make to allocate resources.
Skills Demand Percentage
Analysis 13.81%
Credit Analysis 3%
Economics 1.47%
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 IV's salary.

  • Microsoft Excel: Can increase your salary by up to 20%.
  • Analytical Skills: Can increase your salary by up to 20%.
  • Teamwork: Can increase your salary by up to 19%.
Skill Salary Salary % Increase
Microsoft Excel $128,518
20%
Analytical Skills $128,518
20%
Teamwork $127,447
19%
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Commercial Credit Analyst IV Salary by Company Size: Startups vs. Enterprise

Commercial Credit Analyst IV salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $114,105. While startup companies pay approximate $96,891.

Commercial Credit Analyst IV Salary by Company Size

Company Size Employees Average Salary
Startup 1~50 $96,891
Growth Stage 51~500 $102,390
Established 501~5000 $110,289
Enterprise 5000+ $114,105

Commercial Credit Analyst IV Salary by Industry: Top Paying Sectors

For Commercial Credit Analyst IV roles, the industry you choose can impact your earning potential by as much as 40% (the gap between the highest and lowest paying industries). Data shows that the highest-paying industry, Financial Services, offers compensation 20% above the average. Conversely, Commercial Credit Analyst positions in Business Services typically offer lower base pay, as this sector often view Commercial Credit Analyst IV as a support function rather than a direct revenue driver.

The top paying industry for a Commercial Credit Analyst IV

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Financial Services$128,518$62.020%

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

Your level of education can impact your salary potential. While many Commercial Credit Analyst IV 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 IV with a Bachelor's Degree is between $102,840 and $112,916.

Commercial Credit Analyst IV Salaries by Degree Level

Typical Education for Commercial Credit Analyst IV
Degree Level % of user with this level of education
No Diploma 50.0%
High School 50.0%
Associates 0.0%
Bachelors 50.0%
Masters 50.0%
Doctorate 0.0%
View as Graph

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

Understanding how a Commercial Credit Analyst IV'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
$98,264
Average $107,098/year
$114,378
$8,189
Average $8,925/month
$9,532
$1,890
Average $2,060/week
$2,200
$47
Average $51/hour
$55
Annual Salary Monthly Pay Weekly Pay Hourly Wage
75th Percentile $114,378 $9,532 $2,200 $55
Average $107,098 $8,925 $2,060 $51
25th Percentile $98,264 $8,189 $1,890 $47

Commercial Credit Analyst IV Salary Growth & Career Path

Commercial Credit Analyst IV

Next Role

Advancement

For a Commercial Credit Analyst IV, the most direct path to higher earnings is advancing to the Commercial Credit Analysis Manager role. This promotion typically comes with a significant pay increase, bringing the average annual salary to $122,135 - a projected growth of 14% over your current level.

Most common benefits for Commercial Credit Analyst IV

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

Common company salaries for Commercial Credit Analyst IV

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

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FAQ about Commercial Credit Analyst IV

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

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 $135,083.

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

The highest pay for Commercial Credit Analyst IV is $121,006.

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

The lowest pay for Commercial Credit Analyst IV is $90,221.

4. What are the responsibilities of 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. 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 highly independent. May assume a team lead role for the work group. A specialist on complex technical and business matters. Typically requires 7+ years of related experience.

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

The Financial Services industry offers the highest average compensation for Commercial Credit Analyst IV roles, with salaries approximately 20% 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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