Career
Credit analysts
Decide whether a person or company is a good credit risk.
$83,510
Median pay
-4.3%
Job growth, 2025–35
3,100
Openings a year
Bachelor's degree
Typical education
4 years
Typical time after high school
Here's what you actually need to know.
The work
What people in this job do
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
- Generate financial ratios, using computer programs, to evaluate customers' financial status.
- Prepare reports that include the degree of risk involved in extending credit or lending money.
- Analyze financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
The outlook
How the forecast changed this year
The deeper question
What kind of person does this path ask you to become?
What this work centers on
O*NET interest profile, scored 1–7.
The work
Do you want most of your days spent on information & systems, then persuasion & leadership?
Responsibility
Are you willing to be the one responsible for this?
“Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.”
Development
What would you need to build over the next 5–10 years?
Critical Thinking, Speaking, Reading Comprehension, Active Learning.
Trade-offs
What does it ask of you in exchange?
4 years of education after high school (bachelor's degree), for a median of $83,510 a year and 3,100 openings nationally each year.
Paths in
Degrees that lead here
- FinanceSee the degree →
- AccountingSee the degree →
- AccountingCIP 52.0301
- Finance, GeneralCIP 52.0801
- Credit ManagementCIP 52.0809
- Financial Risk ManagementCIP 52.0810
Paths across
Careers that use similar skills
- Credit Authorizers, Checkers, and Clerks$50,080 · -7.4%
- Loan Officers$76,690 · +1.1%
- Loan Interviewers and Clerks$50,020 · -2.4%
- Credit Counselors$52,230 · +3.3%
- Financial and Investment Analysts$102,740 · +7.2%
Ask anything about this career.
“Would this make sense if I don't want to sit at a desk all day?” Answers will come from the sources on this page, with citations. Coming soon.
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Sources
- BLS Employment Projections, 2025–35, U.S. Bureau of Labor Statistics. Retrieved 2026-10-01.
- BLS Employment Projections, 2024–34 (archived), U.S. Bureau of Labor Statistics. Retrieved 2026-10-01.
- O*NET 31.0 Database (August 2026), National Center for O*NET Development / U.S. Department of Labor. Retrieved 2026-10-01.
- CIP 2020 to SOC 2018 Crosswalk, NCES and BLS. Retrieved 2026-10-01.