As of July 01, 2026, the average salary for a Credit Analyst I in Texas is $56,658 per year, which breaks down to an hourly rate of $27.
However, a Credit Analyst I's salary can vary significantly. Here’s a look at the typical salary range:
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Credit Analyst I Salaries by Percentile
| Annual Salary |
Monthly Pay |
Weekly Pay |
Hourly Wage |
|
| 75th Percentile | $60,712 | $5,059 | $1,168 | $29 |
| Average | $56,658 | $4,722 | $1,090 | $27 |
| 25th Percentile | $51,185 | $4,265 | $984 | $25 |
ShiftCode Analytics - Houston, TX
TradeJobsWorkForce - Plano, TX
Lennox International - Richardson, TX
Jefferson Bank - San Antonio, TX
A Credit Analyst I'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, and company size can directly affect your earning potential.
Experience is a primary driver of a Credit Analyst I'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 |
|---|---|---|
| Credit Analyst I | 0-2 years | $56,658 |
| Credit Analyst II | 2-4 years | $67,663 |
| Credit Analyst III | 4-7 years | $82,942 |
| Credit Analysis Manager | 7+ years | $114,762 |
| VP of Credit Analysis | 7+ years | $202,130 |
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 Credit Analyst Is. For example, consider the average annual salaries in these key locations:
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:
Credit Analyst I salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $63,372. While startup companies pay approximate $53,593.
| Company Size | Employees | Average Salary |
|---|---|---|
| Startup | 1~50 | $53,593 |
| Growth Stage | 51~500 | $56,683 |
| Established | 501~5000 | $61,197 |
| Enterprise | 5000+ | $63,372 |
For Credit Analyst I roles, the industry you choose can affect earning potential by as much as 50% (the gap between the highest and lowest paying industries). Data shows that the Aerospace & Defense and Energy & Utilities sectors offer the strongest compensation, at 20% above the average. In contrast, Credit Analyst positions in Media or Telecom typically offer lower base pay, as these industries often view Credit Analyst I as a support function rather than a direct revenue driver.
| Industry Sector | Average Annual Salary | Average Hourly Rate | Pay vs.Avg |
|---|---|---|---|
| Aerospace & Defense | $67,990 | $33.0 | 20% |
| Energy & Utilities | $67,990 | $33.0 | 20% |
| Insurance | $67,990 | $33.0 | 20% |
| Pharmaceuticals | $67,990 | $33.0 | 20% |
| Biotechnology | $62,324 | $30.0 | 10% |
Understanding how a Credit Analyst I'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.
| Annual Salary | Monthly Pay | Weekly Pay | Hourly Wage | |
|---|---|---|---|---|
| 75th Percentile | $60,712 | $5,059 | $1,168 | $29 |
| Average | $56,658 | $4,722 | $1,090 | $27 |
| 25th Percentile | $51,185 | $4,265 | $984 | $25 |
For a Credit Analyst I, the most direct path to higher earnings is advancing to the Credit Analyst II role. This promotion typically comes with a significant pay increase, bringing the average annual salary to $67,663 - a projected growth of 19% over your current level.
Ready to take the next step in your career? Browse thousands of current Credit Analyst I job openings on our job board. Use the search bar below to find your perfect match.
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