Credit Operations Analyst Salary in the United States

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

As of July 01, 2026, the average salary for a Credit Operations Analyst in the United States is $48,050 per year, which breaks down to an hourly rate of $23.

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

  • Top Earners (90th percentile): $55,512
  • Majority Range (25th-75th percentile): $43,811 to $51,956
  • Entry-Level (10th percentile): $39,950
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View as table View as graph 25% $43,811 10% $39,950 90% $55,512 75% $51,956 $48,050 50%(Median) Didn’t find job title? Click

Credit Operations Analyst Salaries by Percentile

Annual
Salary
Monthly
Pay
Weekly
Pay
Hourly
Wage
75th Percentile $51,956 $4,330 $999 $25
Average $48,050 $4,004 $924 $23
25th Percentile $43,811 $3,651 $843 $21
Check out Credit Operations Analyst Job Openings in the United States
Business Analyst with Consumer Credit Domain

ClifyX - Cleveland, OH

Commercial Credit Analyst

CFBank - Columbus, OH

Analyst Security Operations and Intelligence Center

Cardinal Health - Dublin, OH

Sr Analyst

Wendy's - Dublin, OH

Search More Credit Operations Analyst Jobs in the United States

Key Factors That Influence Credit Operations Analyst Salaries

A Credit Operations Analyst'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 Credit Operations Analyst Salaries?

Experience is a primary driver of a Credit Operations Analyst'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:

  • Entry-Level (less than 1 year): $47,763
  • Early Career (1-2 years): $54,593
  • Mid-Level (2-4 years): $65,262
  • Senior-Level (5-8 years): $63,795
  • Expert (over 8 years): $72,969
Levels Salary
Credit Op... Level Credit Operations Analyst$47,763
Banking O... Level Credit Operations Analyst$54,593
Banking O... Level Credit Operations Analyst$65,262
Banking O... Level Credit Operations Analyst$63,795
Banking O... Level Credit Operations Analyst$72,969
$47,763 0 yr
$54,593 < 2 yrs
$65,262 2-4 yrs
$63,795 5-8 yrs
$72,969 > 8 yrs
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What Am I Worth?

How Do Credit Operations Analyst 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 Credit Operations Analysts. For example, consider the average annual salaries in these key locations:

  • District of Columbia: $53,201.
  • California: $52,999.
  • Massachusetts: $52,293.

Top Paying Cities for Credit Operations Analysts

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: $60,606
  • San Francisco: $59,942
  • Oakland: $58,679

What Skills Can Increase a Credit Operations Analyst's Salary?

Demanded Skills for the Role:

  • Customer Service (Mentioned in 8.78% Job Postings): Customer service is the provision of service to customers before, during and after a purchase. The perception of success of such interactions is dependent on employees "who can adjust themselves to the personality of the guest". Customer service concerns the priority an organization assigns to customer service relative to components such as product innovation and pricing. In this sense, an organization that values good customer service may spend more money in training employees than the average organization or may proactively interview customers for feedback. From the point of view of an overall sales process engineering effort, customer service plays an important role in an organization's ability to generate income and revenue. From that perspective, customer service should be included as part of an overall approach to systematic improvement. One good customer service experience can change the entire perception a customer holds towards the organization.
  • Data Entry (Mentioned in 1.9% Job Postings): Transcribing information into an electronic medium such as a computer or other electronic device.
  • Microsoft Excel (Mentioned in 1.25% Job Postings): Microsoft Excel is a spreadsheet developed by Microsoft for Windows, macOS, Android and iOS. It features calculation or computation capabilities, graphing tools, pivot tables, and a macro programming language called Visual Basic for Applications.
See More Skills
Skills Demand Percentage
Customer Service 8.78%
Data Entry 1.9%
Microsoft Excel 1.25%
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 Credit Operations Analyst's salary.
  • Budgeting: Can increase your salary by up to 36%.
  • Building Maintenance: Can increase your salary by up to 30%.
  • Repairing: Can increase your salary by up to 29%.
Skill Salary Salary % Increase
Budgeting
$65,348
36%
Building Maintenance
$62,465
30%
Repairing
$61,985
29%
Financial Analysis
$58,141
21%
Product Pricing
$56,699
18%
Process Improvement
$53,336
11%
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Credit Operations Analyst Salary by Industry: Top Paying Sectors

For Credit Operations Analyst 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 Financial Services and Insurance sectors offer the strongest compensation, at 30% above the average. In contrast, Credit Operations Analyst positions in Edu., Gov't. & Nonprofit or Retail & Wholesale typically offer lower base pay, as these industries often view Credit Operations Analyst as a support function rather than a direct revenue driver.

The top paying industries for a Credit Operations Analyst

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Financial Services$62,465$30.030%
Insurance$52,855$25.010%

How Education impacts a Credit Operations Analyst's Salary?

Your level of education can impact your salary potential. While many Credit Operations Analysts enter the field with a Associate's Degree degree, higher education can lead to more specialized and higher-paying roles.

According to our 100% employer-reported salary data, the median salary for a Credit Operations Analyst with a Associate's Degree is between $46,086 and $50,415).

Credit Operations Analyst Salaries by Degree Level

Typical Education for Credit Operations Analyst
Degree Level % of user with this level of education
No Diploma 0.8%
High School 22.5%
Associates 10.0%
Bachelors 58.3%
Masters 8.3%
Doctorate 0.0%
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Credit Operations Analyst Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Credit Operations Analyst'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 July 01, 2026

Salary Trends for Credit Operations Analyst

Salaries for a Credit Operations Analyst can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $46,737 in 2023 to around $46,060 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Credit Operations Analyst salary trends, .

Average Annual Salary of Credit Operations Analyst Over Time

2022
$???
2023
$46,737
2024
$46,334
2025
$46,060
2026
$???
2027
$???
Year Average Annual Salary
2022
View More
2023 $46,737
2024 $46,334
2025 $46,060
2026
View More
2027
View More

Most common benefits for Credit Operations Analyst

Social Security
401(k)
Disability
Healthcare
Pension
Time Off (days)
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Common company salaries for Credit Operations Analyst

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

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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.)

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